PNB MetLife Linked Hospicash Benefit Rider

For Non-ICU hospitalization: You will receive the Daily Hospicash Benefit chosen at policy inception for each day of hospitalisation. You can select a daily benefit amount ranging from Rs. 1,000 to Rs. 20,000.

For ICU hospitalization: You will receive the double of Daily Hospicash Benefit (one additional benefit over the Non-ICU benefit) for each day of hospitalization in ICU.

For Example: If you have chosen a Daily Hospicash Benefit of Rs. 10,000, you will receive:

• Rs. 10,000 per day for Non ICU hospitalisation
• Rs. 20,000 per day for ICU hospitalisation

You can choose either 30 days or 60 days as number of hospitalization days per policy year.

• If 30 days per policy year is chosen, you can claim for up to 100 hospitalization days during the policy term
• If 60 days per policy year is chosen, you can claim for up to 200 hospitalization days during the policy term

The number of Hospitalization Days per Policy Year or over the Policy Term shall be inclusive of the Hospitalization days in ICU.

Yes, under “Family Coverage*” option, you will have an option to add family member(s) (maximum of one spouse and up-to 3 children) either at inception of the policy or at policy anniversary subject to underwriting.

Under this Benefit, the Daily Hospicash Benefit and number of Hospitalization Days chosen by you at inception of the policy, shall be shared among all the insured person.

• Yes, 90 day waiting period applies for illness related hospitalisation.
• There is no waiting period for hospitalization due to an accident.

No benefit will be payable in case of claims during the waiting period.