MetLife Senior Citizen Health Insurance

In this article, we will narrow down on What is health insurance and explore MetLife senior citizen health insurance.

MetLife Senior Citizen Health Insurance Plans

Here are the MetLife health insurance plans that senior citizens can avail of -

Plan	Details
Circles of Protection	Comprehensive accident and disability insurance coverage offering the flexibility to customise your plan This includes lump-sum payouts, the option for weekly income benefits, and hospitalisation coverage Affordable premiums starting at just $0.55 per day
Forever	This plan provides financial coverage in the event of permanent disability, guaranteeing a monthly payout for at least 2 decades With premiums as low as $0.55 per day, this plan presents an affordable way to safeguard your family's future
Critical Care	Comprehensive financial protection for critical illnesses encompassing 32 specific conditions This plan offers coverage for critical ailments, such as stroke, cancer, and more, with the potential for cash payouts of up to $500,000 The plan starts with affordable daily premiums at just $0.55
Criti Care	Advanced version of the Critical Care plan above You can enjoy the security of knowing that if you don't make a claim during the policy's term, you’ll receive a 75% reimbursement of your premiums This plan also provides financial coverage for 32 critical illnesses, including conditions like hepatitis and cancer, at affordable daily premiums starting from just $0.55
Health Cover Abroad	Gain access to top-tier global medical treatment beyond the Gulf region This policy offers coverage for six critical illnesses (including cancer) Upon the diagnosis of a covered illness, you can get access to the finest medical treatments and surgeries worldwide, with expenses for travel, accommodation, visa, and treatment costs all included The policy provides a substantial annual coverage of $1 million, with a cumulative lifetime limit of $2 million
Critical Illness Care	Secure financial assistance to address the expenses associated with treating ten different critical illnesses This policy extends its coverage to your spouse and child, offering a lump-sum payment of $20,000 per child for up to five children The monthly premiums for this plan start at just $18 — you can receive benefits of up to $25,000 in return
Critical Illness Care Plus	Receive the financial backing to manage the expenses associated with treating 35 different critical illnesses This policy extends its coverage to include your spouse and child, offering a lump-sum payment of $20,000 per child for up to five children With premiums starting at just $23 per month, you can access benefits as substantial as $50,000
Individual Medical Plan	Approved by the Dubai Health Authority (DHA), the Individual Medical Plan allows insured individuals to access high-quality healthcare services at affordable prices The plan covers everything from general doctor visits and emergency care to diagnostic tests, maternity services, prescription drugs, physiotherapy, and mandatory vaccines

Key Benefits of MetLife Senior Citizen Health Insurance

Here are the key benefits of the MetLife health insurance plans available to senior citizens -

Choice of Critical Illness Covers: You can tailor your coverage to your specific requirements with the option to select from 1, 3, or 32 critical illnesses to be covered under your policy.
Simplified Claim Process: The claim process is a pretty straightforward one with MetLife. With a large network of healthcare providers and minimal requirements, you can quickly access the necessary treatment without any hassle.
Comprehensive Financial Protection: The insurance plans offer vital financial protection that can be used to replace lost income or cover the costs of specialised medical treatments, ensuring that you receive the care that you need.
Global Coverage: Another benefit of MetLife senior citizen health insurance is that you can enjoy 24/7 worldwide coverage. This feature makes it suitable for individuals who may relocate by ensuring that they remain financially covered even if outside the Gulf region.

Eligibility of MetLife Senior Citizen Health Insurance

Tabled below are the general eligibility requirements for MetLife senior citizen health insurance -

Category	Eligibility Criteria
Maximum Age	99 years

MetLife Senior Citizen Health Insurance Inclusions

Listed below are the general inclusions of MetLife senior citizen health insurance -

In-patient services
Out-patient services
Prescription drugs
Hospital accommodation
Diagnostic services
Physiotherapy
Declared pre-existing and chronic conditions

Exclusions of MetLife Senior Citizen Health Insurance

The general exclusions of MetLife senior citizen health insurance are as follows -

Cosmetic procedures
Self-harm or injuries intentionally inflicted by oneself
Hair fall or baldness
Undeclared pre-existing conditions

In the next section, we will go through some frequently asked questions regarding MetLife senior citizen health insurance -

FAQ's

Ans: After you submit your medical claim, you will receive an acknowledgment email containing a claims tracking number sent to your registered mobile number or email address. The Claims Team personnel of the insurer will review your claim within 10 working days and inform you about the status via email and SMS. If approved, the entitled amount will be transferred to your bank account.

In case of insufficient claim documents, you'll be intimated via email as well as follow-up reminders on the 7th, 15th, and 30th days.

Ans: For an inpatient claim, you will be required to provide the following documents -

Itemised hospital bill accompanied by the official hospital receipt for the total amount paid
Official receipts for attending physician or surgeon charges, complete with their stamp and signature
Hospital discharge report and receipts for lab tests, X-rays, and other examinations, along with the physician's request and copies of examination results.

Ans: To submit an outpatient claim, you'll need the following documents -

Official receipt with detailed charges from the attending physician, complete with their stamp and signature
Itemised pharmacy bill mentioning the patient's name, purchase date, and drug details, along with the physician's prescription
Official receipts for lab tests, X-rays, and other tests backed by the respective physician's request and copies of examination results

Note that for physiotherapy claims, you will be required to provide the claim form and a referral letter from an orthopaedic physician.

Ans: To ensure your medical claim is approved, keep in mind the following -

Submit all necessary claims documents within 90 days of the treatment date.
Verify that the medical services are covered by your policy and not on the exclusion list.
Make sure that the medical services are medically necessary, not experimental or cosmetic.
Provide clear and detailed receipts or bills for the medical services.
Include any referral or pre-authorisation letter where applicable.
Utilise medical facilities within the company’s network whenever possible.
Ensure that your claim is within policy limitations.
Submit medical documentation justifying the necessity of specific tests or treatments, along with referrals or recommendations from your doctors or supporting documents.
Keep all correspondence and documentation related to your claim stored in one place for seamless coordination.