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Critical Illnesses Covered Under PNB MetLife Mera Term Plan Plus

A critical illness can create both emotional and financial stress due to expensive treatments, income disruption, and long recovery periods. PNB MetLife Mera Term Plan Plus offers health protection options through its Serious Illness and Critical Illness benefits, allowing you to strengthen your term insurance cover with a lump sum payout on the diagnosis of specified illnesses, subject to policy conditions.

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PNB MetLife CI Rider — Key Highlights

PNB MetLife Mera Term Plan Plus offers critical illness protection through the PNB MetLife Serious Illness Rider and PNB MetLife Critical Illness Rider. The key features are:

Feature	Details
Rider Options	PNB MetLife Serious Illness Rider and PNB MetLife Critical Illness Rider
Rider Type	Individual, Non-Linked, Non-Participating, Pure Risk Health Riders
Illness Coverage	Serious Illness Rider covers 10 serious illnesses, while Critical Illness Rider covers 2 critical illnesses
Claim Benefit	Lump sum benefit payable on first diagnosis of a covered illness
Waiting Period	90 days from commencement or reinstatement of coverage
Survival Requirement	Life insured must survive for at least 30 days after first diagnosis (Critical Illness Rider)
Sum Assured	Available subject to rider and base policy limits
Tax Benefit	Tax benefits may be available as per prevailing tax laws

The Critical Illness Rider provides additional health protection under your base policy with flexibility to choose the term insurance rider and sum assured according to your needs.

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What Critical Illnesses are Covered Under PNB (Mera Term Plan Plus)?

You can easily buy a specially designed PNB MetLife Term Insurance that covers the below critical illnesses:

List of Critical Illnesses Covered Under PNB (Mera Term Plan Plus)
Cancer of specified severity	Multiple Sclerosis with persisting symptoms
Myocardial Infarction – First Heart of specified severity	Benign Brain Tumor
Open Chest CABG	Blindness
Open Heart Replacement and Repair of Heart Valves	Deafness
Coma of specified severity	End-Stage Lung Cancer
Kidney failure requiring regular dialysis	End-Stage Liver Failure
Stroke Resulting in Permanent Symptoms	Speech loss
Major Organ/Bone Marrow Transplant	Limbs Loss
Permanent Paralysis of Limbs	Major Head Trauma
Motor Neuron Disease with permanent symptoms	Primary Pulmonary Hypertension
Third Degree Burns	Alzheimer’s Disease
Aplastic Anaemia	Cardiomyopathy
Medullary Cystic Disease	Muscular Dystrophy
Parkinson’s disease	Poliomyelitis
Systemic Lupus Erythematosus with Lupus Nephritis	Apallic Syndrome
Brain Surgery	Aorta Surgery
Rheumatoid Arthritis	Severe Crohn’s Disease
Ulcerative Colitis	Pneumonectomy
Pulmonary Aorta Graft Surgery	Progressive Scleroderma
Bacterial Meningitis	Good Posture’s Syndrome
Multiple System Atrophy	Encephalitis
Creutzfeldt-Jakob disease	Fulminant Viral Hepatitis
Chronic Recurrent Pancreatitis	Spinal Stroke
Syringomyelia	Devic’s disease
Benign spinal cord tumor

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PNB MetLife CI Rider Premium

The premium for PNB MetLife critical illness protection depends on the selected term insurance rider, sum assured, premium payment option, and policy term.

Factor	Impact on Premium
Rider chosen	Serious Illness Rider and Critical Illness Rider have different premium rates
Rider sum assured	Higher coverage amount leads to a higher premium
Policy term	Longer rider tenure may increase the overall premium
Premium payment option	Single, limited, or regular payment options affect the premium
Age and underwriting	Premium varies based on the life insured's age and risk assessment

For the PNB MetLife Critical Illness Rider, the rider sum assured ranges from ₹5 lakh to ₹50 lakh, subject to the condition that it does not exceed the base policy sum assured. Premium rates are guaranteed for the policy term.

Eligibility & Tenure Limit

The eligibility for PNB MetLife Critical Illness Rider includes:

Criteria	Details
Entry Age	18 years to 65 years
Maximum Cover Age	Up to 75 years
Rider Term	10 years to 40 years and cannot exceed the base policy term
Minimum Rider Sum Assured	₹5 lakh
Maximum Rider Sum Assured	₹50 lakh (subject to base policy limits)
Premium Payment Options	Single Pay, 5/7/10/12/15 Pay, and Regular Pay

These eligibility conditions are applicable to the PNB MetLife Critical Illness Rider.

Payout Structure

Under PNB MetLife Mera Term Plan Plus, the payout structure depends on the selected benefit option.

Benefit Option	How the CI Benefit Works
Life Plus	Provides waiver of future premiums upon accidental total permanent disability or diagnosis of listed critical illnesses
Life Plus Health	Provides waiver of future premiums and an accelerated lump sum payout on diagnosis of listed critical illnesses

The accelerated critical illness benefit is adjusted as per the policy terms and the selected benefit option.

Exclusions

Critical illness benefits under PNB MetLife Mera Term Plan Plus may not be payable in certain situations, including:

Diagnosis of an illness during the 90-day waiting period.
Pre-existing medical conditions.
Intentional self-inflicted injury or attempted suicide.
War, terrorism, invasion, civil unrest, or military operations.
Alcohol or drug abuse not prescribed by a registered medical practitioner.
Participation in hazardous sports or illegal activities.
Nuclear contamination or related risks.
External congenital conditions.

The exact exclusions may vary based on the selected critical illness or serious illness benefit and policy terms.

Note: You can easily calculate the term plan premium by using the term insurance calculator online tool.

Claim Process

To claim the PNB MetLife CI rider benefit, follow these steps:

Step 1: Inform PNB MetLife

Notify the insurer as soon as a covered serious or critical illness is diagnosed and initiate the claim request.

Step 2: Submit the claim form

Complete the prescribed claim form with accurate policy and personal details.

Step 3: Submit supporting documents

Common documents generally include:

Duly filled claim form
Policy details
Identity proof
Diagnostic reports confirming the illness
Hospital records and doctor's certificates
Any additional documents requested by PNB MetLife

Step 4: Claim assessment and payout

PNB MetLife evaluates the submitted documents and verifies whether the illness satisfies the policy definitions and claim conditions. Once approved, the eligible benefit is paid according to the selected rider or benefit option.

Wrapping It Up!

When it comes to the security of you and your loved ones, it is a wise decision to prepare for the worst and hope for the best. You can do the same by buying a critical illness benefit with a term plan for yourself and your family members. Go through all the above-mentioned points so that you can make an informed decision.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

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FAQs

How many diseases does PNB MetLife CI rider cover?

Ans: PNB MetLife offers two types of illness protection. The Serious Illness Rider covers 10 specified serious illnesses, while the Critical Illness Rider covers two illnesses: cancer of specified severity and first heart attack of specified severity.
What is PNB Mera Term Plan Plus serious illness rider?

Ans: The PNB MetLife Serious Illness Rider is an add-on health rider that provides a lump sum benefit upon the first diagnosis of any of the 10 covered serious illnesses, subject to the rider terms and conditions.
How to claim PNB MetLife CI rider?

Ans: You can claim the PNB MetLife CI rider by informing the insurer, submitting the required claim form and medical documents, and completing the claim verification process. The benefit is paid after the claim is approved.

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*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

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