PNB MetLife Linked Critical Illness Rider
Individual, Unit - Linked, Non-Participating, Pure Risk, Health Insurance Rider | UIN:117A027V01
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Individual, Unit - Linked, Non-Participating, Pure Risk, Health Insurance Rider | UIN:117A027V01
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
Critical Illness affects more than just your health – it can create a significant financial strain for you and your family.
While health emergencies are unpredictable, you can still pan ahead to manage the financial impact.
PNB MetLife Linked Critical Illness Rider offers a lumpsum payout on first time diagnosis of any of the covered critical illnesses helping you stay financially secure.
3 Plan Options to choose from:
Silver (covers 10 critical illnesses)
Gold (covers 20 critical illnesses)
Platinum (covers 60 critical illnesses)
High Sum Assured cover
Get Sum Assured of up to Rs. 1 crore to manage significant medical expenses
Lumpsum Payout
Receive 100% of the chosen Sum Assured as lumpsum payout upon diagnosis of insured Critical Illness giving you immediate liquidity
Premium Payment Term
Enjoy flexible premium payment terms tailored to your financial needs
Provides a lump sum payout on diagnosis of a covered critical illness, helping you manage medical expenses, recovery costs, and income loss during treatment.
Cost-effective rider that offers protection at a low premium, making them affordable
Working alongside your regular health insurance and creates a comprehensive coverage
Things to Remember
Please refer to Policy terms and conditions for more details on Exclusions
Please refer to respective terms & conditions for more details on PNB MetLife Linked Critical Illness Rider
Under this Rider, if the Insured Person is diagnosed for the first time with any of the insured Critical Illnesses (as per the selected Plan Option) and survives for at least 14 days from the date of diagnosis, a lump sum Critical Illness benefit equal to 100% of the Rider Sum Assured will be payable, provided the Policy is in in-force status.
Once the Critical Illness benefit is claimed, the Rider Policy shall terminate.
For Insured Person in this Rider, Waiting Period is of 90 days from the Policy commencement date, or Policy re-instatement or revival date, as applicable.
In case of any claim for Critical Illness benefit during the Waiting Period, no benefit shall be payable. However, 100% of Rider Premium will be refunded and the Rider shall terminate.
Under this Rider, Applicable Survival Period under the Rider is 14 days.
No benefit will be payable if the Insured Person does not survive during this period. The claim payment shall be payable provided there is a confirmatory diagnosis of the Insured Critical Illness conditions while the Insured Person is alive. A claim would not be admitted if the diagnosis is made post-mortem.
| Boundary Conditions | Eligibility Criteria |
|---|---|
| Age at Entry1 | 18 years - 65 years |
| Maximum Maturity Age | 75 years |
| Policy Term2 | 5 and 10 |
| Premium Payment Modes | Single, Yearly, Half-yearly, Quarterly, Monthly3 |
| Premium Payment Term | Single Premium and Regular Premium: 5 and 10 Pay |
| Minimum Rider Sum Assured4 (Rs.) | Rs. 1,00,000 |
| Maximum Rider Sum Assured4 (Rs.) | Rs. 1,00,00,000 |
1All reference to age is as on age last birthday
2The Rider Policy Term can be equal to or less than the Base Policy Term
3Monthly mode is available for standing instruction/direct debit options (including Automated Clearing House- ACH)
4Subject to the condition that the Rider Sum Assured is not exceeding the Base Policy Sum Assured.
Disclaimer:
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
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