PNB MetLife Linked Surgicash Benefit Rider
Individual, Unit - Linked, Non-Participating, Pure Risk, Health Insurance Rider | UIN:117A026V01
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Individual, Unit - Linked, Non-Participating, Pure Risk, Health Insurance Rider | UIN:117A026V01
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.
Medical treatments can bring unexpected financial strain – especially when surgery is involved. PNB MetLife Linked Surgicash Benefit Rider offers a lumpsum payout as additional financial support, helping you take care of surgical expenses without disrupting your savings.
The Surgicash Sum Assured, will help you manage surgery expenses without compromising your savings
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
Surgicash Benefit is a lumpsum benefit payable in case of hospitalization for medically necessary surgery in India
We shall pay Surgicash Benefit as a fixed defined percentage of Surgicash Sum Assured on occurrence of applicable Surgical Procedures as mentioned below:
| Surgery | Description | Pay-out (% of Surgicash Sum Assured) |
|---|---|---|
| Listed Day Care Procedures | Day Care Procedures | Minimum of (10% of Surgicash Sum Assured or Rs. 50,000) whichever is lower |
| Listed Surgeries | Listed Surgeries by Organ Type | 25% to 100% |
| Non-Listed Surgeries | All non-listed surgeries meeting the Surgery definition and requiring minimum 24 hours of Hospitalization | 10% |
Please refer to terms and conditions of this Rider to know about the covered Day Care Procedures and Surgeries.
You have an option to add family member(s) (legal spouse and up to 3 dependent children of Primary Life Assured) by paying additional premium at inception or at Policy anniversary.
If you choose to add family member(s), Surgicash Sum Assured as chosen by you at inception shall be shared between the Primary Life Assured and added family member(s)
For all Insured Person, a Waiting Period of 90 days is applicable for all Benefits payable under this Rider (except for claims solely due to Accident)
Specific Waiting Period of 24 months or 36 months is applicable for specific conditions/procedure.
In case of addition of family member(s) under the Family Coverage Benefit, the applicable Waiting Period shall apply individually to each family member, based on the respective date on which such family member is added to this Rider.
Please refer to terms and conditions of the Rider for further details.
| Parameters | Minimum | Maximum | |
|---|---|---|---|
| Entry Age~ | Primary Life Assured/Policyholder | 18 years | 65 years |
| Family Coverage (Spouse) | 18 years | 65 years | |
| Family Coverage (Child) | 91 days | 17 years | |
| Maturity Age~ | Primary Life Assured/Policyholder | 23 years | 70 years |
| Family Coverage (Spouse) | 23 years | 70 years | |
| Family Coverage (Child) | 5 years | 22 years | |
| Premium Payment Term (PPT) / Policy Term (PT) | For Regular Premium Payment: PPT and PT: 5 years For Single Premium Payment: PPT: 1 year PT: 5 years |
||
| Surgicash Sum Assured per Policy year | Rs. 1,00,000 | Rs. 10,00,000 | |
| Annualized Rider Premium1 | Shall be derived basis Surgicash Sum Assured, Premium Payment Term, Entry Age for Insured Person | ||
| Premium Payment Mode | Annual, Semi-Annual, Quarterly and Monthly^ | ||
~All reference to age is as on age last birthday.
^Monthly mode is available for Standing instruction/direct debit options (including Electronic Clearing System (ECS), and Automated Clearing House (ACH)
1Annualized premium is the premium amount payable in a year excluding taxes and underwriting extra premium on riders, if any
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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