PNB MetLife Accidental Death Benefit Rider Plus

PNB MetLife Accidental Death Benefit Rider Plus

The future is unpredictable. While we may never know what life may hold for us, with PNB MetLife Accidental Death Benefit Rider Plus offers flexibility to customise and enhance our base policy to ensure a secure future for your family, in case of unfortunate events.

PNB MetLife Accidental Death Benefit Rider Plus in a nutshell
1. Protection with additional cover under base policy.
2. Nominal premiums to ensure financial stability.
3. Flexibility in Rider term choosing the Sum Assured.
4. Tax* Benefits on premiums and Benefits.

What you get
Returns of Sum Assured

In the event of the death of the life insured that matches the accident criteria within the policy term, 100% of Rider Sum Assured shall be payable.

Cover for Accident

According to the Rider, the Benefits are payable if the Life Insured meets with an accident that is defined as 'A sudden, unforeseen and involuntary event caused by external, visible and violent means"

Duration of Illness

Under the PNB MetLife Accidental Death Benefit Rider Plus, Benefits are payable only if the death takes place within 180 days from the day of the accident.

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:

a) That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement

b) For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.

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

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.

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.