समूह कभर
कभरेज प्रकार
वार्षिक नवीकरण योग्य
गम्भीर रोग योजना
3 योजना
अक्षमता लाभ आयु सीमा
<60 वर्ष
Premium
रु. 0 रु./वर्ष
NPR/yr
Coverage
रु. 0 रु.
Based on Source of Income
Description
MetLife Group Life, Group Personal Accident (GPA) and Critical Illness — a yearly-renewable term protection policy providing death, disability and critical illness lump-sum benefits for employees. Cover is customizable with multiple riders and plan options.
Features
- 24/7 worldwide protection
- Death benefit paid as lump-sum
- Permanent total disability paid in monthly instalments (subject to conditions, generally under age 60)
- Permanent partial disability schedule with lump-sum payments
- Accidental medical expenses reimbursement
- In-hospital weekly income benefit (up to 52 weeks)
- Three Critical Illness plan options covering increasing lists of illnesses
Highlights
- Yearly-renewable term policy
- 24/7 worldwide cover
- 3 Critical Illness plan options
Life Insurance Details
Available Riders
Permanent Total Disability Rider-If any insured employee becomes totally and permanently disabled from bodily injury due to accident or sickness and is wholly prevented from performing any occupation for remuneration or profit while less than 60 years of age, the benefit under this is payable in sixty monthly installments following a one-year disability waiting period.
Permanent Partial Disability Rider-This benefit becomes payable if an insured employee becomes partially disabled on a permanent basis, as a result of a bodily injury due to an accident or sickness, while less than 60 years of age and at least six months after he becomes insured under this plan.
Group Personal Accident (GPA) benefits-If an accidental injury results in the death of an insured employee, the insured amount shall be paid to his/her beneficiary.
Accidental Medical Reimbursement (AMR)-If, as a result of an accidental injury, an insured employee shall require treatment by a physician, use of hospital facilities, or the employment of a licensed or graduate nurse while at the hospital, the Reasonable, Customary and Necessary medical expenses incurred within fifty two (52) weeks from the date of the accident for such physician treatment, hospital charges and nurses fees, which are in excess of the deductible (if any) and up to insured amount limit stated in the Policy shall be paid.
In-Hospital Weekly Income (IH-A&S)-When, as the result of accidental Injury or commencement of sickness, an insured employee shall be necessarily confined within a hospital as an In-patient for at least 24 hours under the continuous attendance of a physician, the Weekly Benefit stated in the Policy shall be paid, for each week that the Insured person shall be confined therein, up to fifty-two (52) weeks, commencing immediately following the Elimination (if any) stated in the Policy.
Accidental Weekly Disability Indemnity (AWI)-If, as the result of an accidental injury, an insured employee is Totally Disabled and remains so continuously for a period in excess of the Elimination Period i.e. 1 week (7 days), the Weekly Accidental Disability Indemnity applicable to such Insured employee shall be paid periodically beginning with the first day following such Elimination Period, for the continuous duration of Total Disability, but not to exceed the maximum period of fifty two (52) weeks.
Group Critical Illness Rider
Eligibility
AgeMax 60 years
Policy Term1 year (Renewable)