To provide financial security in case of unfortunate event of Accident, PNB MetLife 360 Health Saving Plan offers a lumpsum Accidental Total and Permanent Disability (ATPD) to the Primary Life Assured in case he/she suffers from total and permanent disability from any of the 11 listed disabilities, provided the disability develops within 180 days and the policy is in-force as on date of accident.

The following disabilities shall be covered under this Benefit:

1. Loss of sight in both eyes
2. Loss of both arms or both hands
3. Loss of one arm and one leg
4. Loss of one arm and one foot
5. Loss of one hand and one foot
6. Loss of one hand and one leg
7. Loss of both legs
8. Loss of both feet
9. Removal of the entire lower jaw
10. Loss of one hand and loss of sight in one eye
11. Loss of one foot and loss of sight in one eye

Yes, Policyholder can extend the Accidental Total and Permanent Disability (ATPD) Benefit to Family Members by choosing Family Coverage benefit. Family Members shall include one legal spouse and up to 3 dependent children of Primary Life Assured. Each of the Family Member shall have their independent ATPD Benefit.

In an unfortunate event of accident, in case any of the Family Member suffers total and permanent disability due to accident, a lumpsum ATPD Benefit shall be paid, provided the disability occurs within 180 days of the Accident and the Policy is in-force as on date of Accident.

The Accidental Total and Permanent Disability (ATPD) Benefit will terminate for such Family Member(s) and such Family Member(s) shall be terminated from this Plan or any other Rider Policy attached to this Plan . The Policy will continue seamlessly for the remaining benefits and remaining Family Member(s) ensuring protection for all.

On survival of Primary Life Assured till the end of the Policy Term, , We will pay a Maturity Benefit equal to the Total Fund Value in the Unit Account (including Top-Up Fund Value, if any) determined using the Net Asset Value on the maturity date provided the Policy is in In-force status and all due Instalment Premiums are paid.

You can access 360 Health Services by logging into the khUshi App using your registered details and clicking on the ‘360 Health’ icon available in the quick links or banner section of the app.

Further for any queries, you can also write to hello@getvisitapp.com, contact the helpline number 9911668855, use the chat support available on the Company’s mobile application (khUshi App) or visit Our website www.pnbmetlife.com

^~All reference to age is as on age last birthday.
^#On attaining Maturity Age, that Family Member shall be terminated from the Policy
^{^}Monthly mode is available for Standing instruction/direct debit options (including Electronic Clearing System (ECS), and Automated Clearing House (ACH))
^**ADB Sum Assured cover multiple chosen for Primary Life Assured shall always be equal to the ATPD Sum Assured cover multiple for Primary Life Assured. Under Family Coverage, the ATPD Sum Assured cover multiple for family member(s) shall be equal to or less than the ATPD Sum Assured cover multiple for Primary Life Assured. Once chosen at inception, ADB Sum Assured cover multiple and ATPD Sum Assured cover multiple cannot be altered during the Policy term .

Suicide

In case of death of the Primary Life Assured, due to suicide within 12 (Twelve) months from the Date of Commencement of the Policy, or from the date of Revival of the Policy, as applicable, the Nominee or Beneficiary shall be entitled to the Fund Value, as available as on the date of intimation of death. Further, any Charges other than the Fund Management Charges (FMC) recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.

Any Pre-existing condition or Disability arising out of a Pre-existing Diseases or any complication arising therefrom.

Pre-existing Disease means any condition, aliment, injury or disease

• That is/are diagnosed by a physician not more than 36 months prior to the date of commencement of the policy issued by the insurer or its reinstatement; or
• For which medical advice or treatment was recommended by, or received from, a Physician not more than 36 months Prior to the date of commencement of the policy issued by the insurer or its reinstatement

Please refer to the policy document for complete list of exclusions applicable for Accidental Death Benefit and Accidental Total and Permanent Disability Benefit.