PNB MetLife Linked Critical Illness Rider
Individual, Unit - Linked, Non-Participating, Pure Risk, Health Insurance Rider | UIN:117A027V01
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Term Plan for Non-Salaried
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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.
Why should you choose PNB MetLife Linked Critical Illness Rider?
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
Premium Payment
Enjoy flexible premium payment terms tailored to your financial needs
Benefits of PNB MetLife Linked Critical Illness Rider
Lumpsum Financial Support
Receive a 100% lump sum payout of the Rider Sum Assured on first time diagnosis of a covered critical illness, helping you manage treatment, recovery, and related costs
Wide Critical Illness Coverage
Get protection against up to 60 critical illnesses, depending on the plan option chosen, ensuring comprehensive coverage for major medical conditions.
Flexible Premium Payment Options
Enjoy flexibility in premium payment terms of single premium, 5 years or 10 years, allowing you to plan your finances conveniently
Provides a lump sum payout on diagnosis of a covered critical illness, helping you manage medical expenses, recovery costs, and income loss during treatment.
3 plan options Silver, Gold and Platinum
Premium Payment Terms of single premium, 5 and 10 years
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
Minimum Survival Period
of 14 days is applicable under this Rider
Waiting Period
Exclusions
Pre-existing diseases, self-inflicted injuries and certain medical procedures.
Please refer to terms and conditions for details on exclusions pertaining to this rider
Please refer to respective terms & conditions for more details on PNB MetLife Linked Critical Illness Rider
If the Insured Person is diagnosed for the first time with any critical illness covered under the selected plan option and survives for at least 14 days from the date of diagnosis, a lump sum benefit equal to 100% of the Rider Sum Assured is paid, provided the policy is in force at the time of diagnosis.
Under this Rider, the waiting period is 90 days from the policy commencement date, or from the policy reinstatement/revival date, whichever is later.
Additionally, certain critical illnesses are subject to a specific waiting period of 24 months or 36 months, as applicable, from the rider commencement or revival date. Please refer to the policy terms and conditions for details on these specific conditions.
If a claim arises during the waiting period, no Critical Illness benefit will be paid. However, 100% of the Rider premium will be refunded, and the Rider will be terminated.
The Survival Period is the minimum period the insured person must survive after being diagnosed with a covered critical illness for the benefit to be payable.
Under this Rider, the applicable survival period is 14 days from the date of diagnosis and fulfilment of the illness definition.
If the Insured Person does not survive this period, no benefit will be payable. The Critical Illness benefit is payable only if the diagnosis is confirmed while the Insured Person is alive. Claims will not be admitted if the diagnosis is made post mortem.
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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