PNB MetLife Mera Term Plan Plus

Exclusions

• If the life assured dies by suicide within 12 months from the policy's commencement or revival, the nominee will receive at least 80% of the total premiums paid up to the date of death or the surrender value, whichever is higher.

• Any disability or critical illness resulting from conditions existing before policy issuance or reinstatement is not covered

• Disabilities or critical illnesses caused by self-harm or attempted suicide are excluded.

• Conditions arising from alcohol abuse, solvent abuse, or drug use not prescribed by a medical practitioner are not covered.

• Involvement in unlawful activities or breaches of law with criminal intent leading to disability or critical illness is excluded.

• Disabilities or critical illnesses resulting from war, acts of foreign enemies, hostilities, civil war, rebellion, or similar events are not covered.

• Engaging in dangerous pursuits like bungee jumping, horse riding, scuba diving, or other activities requiring breathing apparatus underwater is excluded.

• Disabilities or critical illnesses occurring while serving in military, naval, or air force operations are not covered.