Health Insurance Plan - Accidental Disability Benefit Riders - PNB MetLife

Key Benefits of MetLife Accidental Disability Benefit Rider

  • 1

    Additional health cover

  • 2

    Flexibility to meet your needs

  • 3

    Tax advantage

  • 4

    Reasonable premium


Every person has a different need and we at PNB MetLife recognize this. To give you the flexibility to customize and enhance your cover, we offer you Accidental Disability Benefit Rider - a rider which you may opt for along with your basic policy and shape your policy to suit your individual needs, for a nominal premium.

MetLife Accidental Disability Benefit Rider ensures

  1. Affordable premium at a nominal rate
  2. Additional protection against impairment due to accidents
  3. Flexibility to choose Sum Assured to meet varying needs

The chosen Accidental Disability Benefit shall be payable, upon the life insured meeting with an accident that results in him/ her being subject to one (or more) of the following impairments (arising within 180 days from the date of accident and independent of all other causes). 
The benefits under the rider shall be paid even in case when accident happens during the policy term and disability occurs beyond the policy tenure but happens within 180 days from the date of the accident. The impairments are as follows:
Total and irrecoverable loss of sight of both eyes.
  • Amputation or loss of use, of both hands at or above the wrists or
  • Amputation or loss of use, of both feet at or above the ankles or
  • Amputation or loss of use, of one hand at or above the wrist and one foot at or above the ankle.
The above disability must have lasted, without interruption, for at least 180 consecutive days and must be deemed permanent by a panel of independent medical practitioners.
The Policyholder can opt for this Rider either at inception along with Base Policy or at any Policy Anniversary under the Base Policy during its tenure.

Boundary Conditions

Eligibility Criteria

Age at Entry(1)

18 years - 65 years

Cover Ceasing Age

75 years

Policy Term(2)

10 years - 40 years

Premium Payment Modes

Yearly, Half-Yearly, Quarterly , Monthly(*) (only on ECS) & Payroll Saving Plan (PSP)

Premium Payment Term

Regular premium over the Policy Term

Min/Max Rider Sum Assured(3)

Minimum: Rs.500,000 - Maximum: Rs.2 Crores

Min. Annualized Rider Premium(4)


Max. Annualized Rider Premium(4)


*ECS Mandatory 

  1. Age Last Birthday
  2. The Rider Policy Term can be equal to or Less than the Base Policy Term
  3. Subject to the condition that the Rider Sum Assure is less than the Base Policy Sum Assured
  4. Exclusive of Taxes  

*Age Last Birthday, ECS mandatory for monthly mode, Min/Max premiums does not include the taxes or extra premiums.

Terms & Conditions Annexure Download Brochure

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