MetLife Individual Health Insurance

Beyond just insurance, the company stands tall, offering life, accident, and health protection. They also cater to those looking for retirement and savings solutions. Both individuals and corporations find a dependable partner in MetLife.

Plans Under MetLife Individual Health Insurance

Here’s a rundown of the MetLife individual health insurance plans.

Individual Medical Plan

Access reliable healthcare with this Individual medical plan, covering doctor consultations, hospital treatments, emergencies, diagnostic tests, maternity services, prescription medications, aftercare, and essential vaccines.

• General doctor consultations are essential. With this plan, routine check-ups within the UAE become hassle-free.
• Hospital treatments can be daunting. Secure your health with coverage for in-patient treatments right here at home.
• Emergencies demand quick action. Be it treatments or immediate hospitalisation, you're covered.
• Diagnostic tests are pivotal in healthcare. Gain access to necessary testing without the financial stress.
• From prenatal to postnatal, maternity services are fully included.
• Prescription medications can be costly. This plan ensures you get the necessary medicines without burning a hole in your pocket.
• Aftercare is crucial. Whether it's physiotherapy or rehabilitation, you're taken care of.

Major Illness Coverage

Facing a severe illness can be life-altering. Financial worries shouldn't add to the stress. This coverage aims to provide that cushion:

• Major diseases like cancer, transplants, and certain surgeries have high treatment costs. This plan offers a safety net with a lump-sum payout upon diagnosis, up to USD 1,000,000.
• Choose between different coverage types and select how many illnesses you want protected against.
• Claiming benefits is made simple. A diagnosis report is all that's required.
• Terminal illness treatments are also included, ensuring comprehensive protection.
• Whether in the UAE or on a trip abroad, the worldwide coverage has your back.

Protection Against Disability

Ensure financial security in the face of disability, with cash payouts for both permanent total and partial disability, along with support for beneficiaries.

• Disabilities can vary. Whether it's a Permanent Total or a Partial Disability, cash payouts ensure you're financially stable.
• If disability affects your income, the plan offers a monthly payout to help manage expenses.
• God forbid, if a tragedy occurs, the beneficiaries continue to receive support, ensuring they're not left in the lurch.

Support During Hospital Stays

• The mere thought of hospitalisation can be daunting. Financial stress shouldn't compound the worry:
• Hospital bills can escalate quickly. However, your finances remain protected with weekly income support of up to USD 2,000 during hospitalisation due to illnesses or accidents.
• Minimum hospital stays can be taxing. Even if you're admitted for just 24 hours, you're covered.
• The benefits double in case of severe ailments requiring Intensive Care Unit admissions, ensuring better financial support.

Accident Coverage

Unpredictable accidents are covered with lump-sum payouts for accidental death, including travel-related accidents, It also offers a worldwide coverage.

Remember, health is wealth. Choosing the right insurance plan is a step towards securing it. MetLife Individual Health Insurance offers that peace of mind.

Key Features and Benefits of MetLife Individual Health Insurance

MetLife Individual Health Insurance offers more than just a policy; it provides unwavering support when needed:

Let’s walk through some of the main features and benefits of this health insurance:

• Worldwide Medical Access - MetLife allows you to get medical help from the best places worldwide. If you need special treatment or operation, this plan helps cover the medicines you need to take home afterwards.
• Help with Travel Costs - If you have to travel for medical treatment, MetLife takes care of your flights, visa, and a place to stay for you and someone else. This means you don't have to worry about these extra costs or go through it alone.
• Support During Serious Illness - Getting top-notch medical care can make a difference when serious sickness hits. MetLife is there to back you up, ensuring you can access the necessary care.
• Coverage for Accidents and Sickness - MetLife covers medical costs for accidents and sickness, including accident-related expenses, daily cash during hospitalisation, cash for surgeries, and discounts for spouses who also choose MetLife.
• Cover for Critical Illnesses - The policyholder is covered for 6 critical illnesses - cancer, bone marrow transplant, liver donor organ transplant, benign brain tumour, heart valve surgery, and coronary artery bypass surgery. All these benefits of the MetLife plan work together to give you a reliable health insurance option. It's not just about handling claims; it's about being there for you when health issues arise, providing the necessary support without any extra hassle.

Eligibility Criteria for MetLife Individual Health Insurance

The UAE's health insurance offerings have set standards, ensuring they fit the right people.

Here's a simple table to help you understand the main requirements:

Category	Eligibility Criteria
Age Limit	Persons aged from 18 to 99 years can apply.
Renewability	Based on the rules set by the insurance company.

By laying out the features, benefits, and easy-to-follow eligibility terms, MetLife Individual Health Insurance is a trusted health insurance choice in the UAE. It's straightforward and made to suit the needs of many.

What is Included Under MetLife Individual Health Insurance?

MetLife Individual Health Insurance offers comprehensive coverage, including:

• Coverage spans across the UAE, the Indian Subcontinent, and Southeast Asia.
• Access to a wide clinic network.
• An extensive hospital network is available.
• Provision for emergency treatments.
• Coverage for tests, diagnostic procedures, and laboratory expenses.
• Reimbursement for prescription drugs (medication).
• Coverage for physiotherapy sessions.
• Dental treatments are included.
• Maternity benefits are available.
• Protection against critical illnesses.
• Option to seek a second medical opinion.

Exclusions of MetLife Individual Health Insurance:

Certain exclusions are necessary for sustainability and affordability:

Here’s what is not covered:

• Intentionally self-inflicted injuries or suicide attempts: Any injuries that are intentionally caused by the insured, whether sane or insane, are not covered.
• Congenital anomalies and conditions arising from them: These are not covered under this plan.
• Undeclared Pre-existing conditions
• Certain illnesses and misuse of substances: If the illness is not defined as a critical illness in the policy or if the critical illness symptoms were present before the coverage start date, these are not covered. Any loss caused by willful misuse of drugs or alcohol is also excluded.
• Losses occurring under specific circumstances: This includes not being covered while flying in an aircraft (except as a paying passenger on a commercial flight), participating in certain high-risk sports or activities, and during certain competitive events.

Please make sure to read the policy document carefully to understand all the inclusions and exclusions of your plan.

Conclusion

Selecting the right health insurance is vital, and MetLife Individual Health Insurance offers a comprehensive solution. Your health and financial well-being are secure with this reliable choice in the UAE.

For those in the UAE looking for detailed information and to compare various insurance options, consider visiting Policybazaar.ae.

To know more about MetLife individual health insurance, go through the following FAQ section.

Frequently Asked Questions