PNB MetLife Critical Illness Rider

PNB MetLife Critical Illness Rider
Your financial stress with an additional cover.
With the ever-increasing level of pressure in our fast-moving lives, stress can take a serious toll on our health. While critical illnesses like heart attacks and cancer have become common, PNB MetLife Critical Illness Rider provider you with health cover against them to ensure that your family's needs are fulfilled, even in your absence.

PNB MetLife Critical Illness Rider in a nutshell
1. Additional health cover
2. Flexibility to meet your needs
3. Tax advantage
4. Reasonable premium

What you get

Acceptable Time Period
The critical illness is diagnosed after the completion of the Waiting Period of 90 days from date of commencement or reinstatement, as applicable.

Duration of Illness
The Rider Benefits shall be payable only if the Life Insured survives for at least 30 days from the date of first diagnosis.

Illnesses Covered
Under this Rider, Life insured gets protection against two major critical illnesses- First Heart Attack (Myocardial Infarction) of specified severity and cancer of specified severity if they meet the required criteria during diagnosis.

PNB MetLife Critical Illness Rider ensures
1. Get additional protection against cancer and heart attack
2. Stay protected with additional cover under base policy.
3. Flexibility to choose Sum Assured to meet varying needs.

What you don't get

Pre-existing Disease
Any condition that is pre-existing at the time of inception of the Rider policy. Pre-existing Disease means any condition, ailment, injury or disease will not be covered under this Rider.

Suicide Exclusions
If the Life Assured's death is due to suicide within twelve months from the date of commencement of risk or from the Date of Revival of the Policy as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to 80% of the total Premium paid till the date of death under the Policy death or Surrender Value available as on the date of death, whichever is higher, provided the Policy is in In force status. We shall not be liable to pay any interest on this amount.

Exclusion of Illness
Under this Plan, the Life Insured will not get any cover for Existence of any sexually Transmitted Disease (STD) and its related complication.

Substance Abuse
Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner are not covered.