By your side Always

Staying True to our Promise, when you need us the most, committed to paying claims and benefits fairly, quickly, and transparently. Click here to download our latest Claims Report.

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By your side Always

Staying True to our Promise, when you need us the most, committed to paying claims and benefits fairly, quickly, and transparently. Click here to download our latest Claims Report.

Download Brochure

Our customers’ claims are our top priority

We have made our claims submission as simple as possible, ensuring that our customers have the right support and tools to quickly make a claim, wherever they are.

Want to submit a claim?

Below is a check-list with the processes and documents needed for each claim type. Select the type of claim you need to make to start the process.

Our myMetLife App, makes it easy for you to access your solutions, manage your policies and track your health - at anytime, anywhere.

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Permanent Total Disability

For Total Permanent Disability

Forms to fill:

Claimant Statement (Form 321) (English / Arabic) and

Physician Statement (Form 322) (English / Arabic)

Checklist

Required	Documents	Notes
Yes	Claim Forms (Claimant & relevant Physician Statements	Fully completed and signed by you and your treating physician
Yes	Copy of all relevant X-Rays and lab test reports	Should reflect your name and date they were taken
Yes	Copy of attending Physician Statement (APS) or medical report	Detailing the nature and date of the accident and completed and signed by treating physician
Yes	Detailed medical reports	Providing status on the disability – if you are eligible for waved premium benefit
If applicable	Attending a medical examination or provide more details through a doctor or medical committee	If this applies in your case, we will let you know
If applicable	Copy of police report	Required if claim relates to an accident

Medical Claim Reimbursement

For Surgical, Accident Medical Reimbursement and/or Medical Expenses Coverage for Policies held through the employer:

Submit a claim (in English or Arabic) through myMetLife desktop or mobile app (Android / iOS) by uploading the documents listed below.

Checklist

Required	Documents	Notes
Yes	Detailed medical report (English / Arabic)	Signed by treating physician
Yes	Clinic/hospital bill with itemized breakdown	-
Yes	Lab test relevant X-Rays / Echogaphy / MRIs and reports	Only related to this incident
If applicable	Emergency ambulance bill	Copy
If applicable	Physio therapy	Requires prior referral from specialists orthopedic or neurologist

Accident Weekly Indemnity

For Accident Income or Weekly Income Coverage

Forms to fill:

Final Proof of Loss Claim Form (CL-2) and

Employer’s Statement Claim Form (CL-3) English / Arabic

Required	Documents	Notes
Yes	Final Proof of Loss Claim Form (CL-2)	To be provided: After the medical report at the end of the disability period or; If disability period does not exceed 6 weeks Dates used in the form should reflect the actual period in question as it will not be possible under any circumstances to extend the disability period beyond this date
Yes	Detailed medical report	Signed by you and treating physician and only if disability is to surpass 6 weeks
Yes	Employer’s Statement Claim Form (CL-3) English / Arabic	Submitted at the end of the disability period
Yes	Copy of all relevant X-Rays and lab test reports	Should reflect your name and date they were taken
Yes	Copy of attending Physician Statement (APS) or medical report	Detailing the nature and date of the accident and completed and signed by treating physician
If applicable	Copy of police report	Required if claim relates to an accident

Hospitalization

For In hospital income

Form to fill: Medical Reimbursement Claim Form (English/ Arabic)

Checklist

Required	Documents	Notes
Yes	In-Patient Medical Reimbursement Claim Form (English / Arabic)	Fully completed and signed by you, your employer (if applicable) and your physician/surgeon
Yes	Detailed medical report	Signed by you and treating physician
Yes	Copy of attending Physician Statement (APS) or medical report	Detailing the nature and date of the accident and Surgery and completed and signed by treating physician
Yes	Certified hospital bill or discharge summary	To determine the number of days spent in the hospital
If applicable	Copy of police report	Required if claim relates to an accident
If applicable	Copy of specific medical reports	Documents should show your name and the date they were taken If this applies in your case, we will let you know

Recovery Benefit Plan

For Recovery benefit plan / critical care coverage

Form to fill: Recovery Benefit Plan Claim Form (English / Arabic)

Checklist

Required	Documents	Notes
Yes	Recovery Benefit Plan Claim Form	Fully completed and signed by you, your employer (if applicable) and your physician/surgeon
Yes	Copy of attending Physician Statement (APS) or medical report	Detailing the nature and date of the onset of the ailment as well as the history of risk factors and completed and signed by treating physician
Yes	Copy of medical report	Detailing ailment or accident with dates it started / happened
Yes	Copy of all relevant X-Rays / Pathology reports / MRIs or CT Scans	Should reflect your name and date they were taken
If applicable	Copy of other documents	If this applies in your case, we will let you know

Dismemberment

For dismemberment

Form to fill: Claimant’s Statement Form (CL-20) (English / Arabic)

Checklist

Required	Document	Notes
Yes	Claimant’s Statement Form (CL-20) (English / Arabic)	Fully completed and signed by you, your employer (if applicable) and your physician/surgeon
Yes	Copy of all relevant X-Rays / lab test and reports	Should reflect you name and date they were taken
Yes	Copy of medical report	Detailing the nature and date of onset ailment / accident and degree of disability

Loss of Life (Individual Policy Holder)

For the regretful event of a policyholder's loss of life

Forms to fill:

To be completed by each Beneficiary*: Claimant Statement (Form CL-39) (English/Arabic)

To be completed by the Treating Physician: Physician Statement (Form CL-40) (English / Arabic)

*In the case of minor beneficiaries, the guardian must sign the claimant’s statement on their behalf. Each form must be notarized by a Notary Public or signed in front of the MetLife Claims Manager.

Required	Documents	Notes
Yes	Claim Forms (Claimant and Physician Statements)	Fully completed and signed by beneficiary(ies) and the physician/surgeon
Yes	Copy of medical report	Detailing the reason and date of loss of life
Yes	Passport copy of the policy holder
Yes	Passport or ID copies of the beneficiary (ies)
Yes	Original Death Certificate
Yes	Original Policy Documents	T&Cs state that the policy contract terminates and must be returned after the policy holder’s loss of life
Yes	Exact addresses and contact details of all beneficiaries
If applicable	Original Guardianship / Tutorship Certificate	Certificate is issued by court and specifies the powers given to the guardian or tutor whenever there are minors among the beneficiaries. The claim can only be paid to the guardian or tutor entitled by law or order of court to “cash proceeds and give valid discharge”
If applicable	Original Succession Certificate	Required in cases where the names of the beneficiaries are not specified or when beneficiaries are mentioned as “legal heirs”
If applicable	Copy of the Police Report	If loss of life was a result of accident, murder or whenever a report is made specifically in connection with a certain loss of life
If applicable	Post Mortem / Autopsy or Coroner’s Report

Loss of Life (Group Policy Holder)

Forms to fill:

To be completed by each Beneficiary*: Claimant Statement (Form CL-39) (English/Arabic)

To be completed by the Treating Physician: Physician Statement (Form CL-40) (English / Arabic)

Checklist

Required	Documents	Notes
Yes	Claim Forms (Claimant and Physician Statements)	Fully completed and signed by beneficiary(ies) and the physician/surgeon
Yes	Copy of medical report	Detailing the reason and date of loss of life
Yes	Passport copy of the policy holder
Yes	Passport or ID copies of the beneficiary (ies)
Yes	Original Death Certificate
Yes	Exact addresses and contact details of all beneficiaries
Yes	Letter from the employer	Stating the date of last day the deceased reported to their office on a full time basis as well as the date when the deceased’s contract was ended by the company
Yes	Salary Slip	Showing the last monthly basic salary drawn
If applicable	Original Guardianship / Tutorship Certificate	Certificate is issued by court and specifies the powers given to the guardian or tutor whenever there are minors among the beneficiaries. The claim can only be paid to the guardian or tutor entitled by law or order of court to “cash proceeds and give valid discharge”
If applicable	Original Succession Certificate	Required in cases where the names of the beneficiaries are not specified or when beneficiaries are mentioned as “legal heirs”
If applicable	Copy of the Police Report	If loss of life was a result of accident r murder or whenever a report is made specifically in connection with a certain loss of life
If applicable	Post Mortem / Autopsy or Coroner’s Report

Travel Claims

Emergency Evacuation

Form to fill: Medical Reimbursement Claim Form (English / Arabic)

Checklist

Required	Documents	Notes
Yes	Claim Form	Fully completed and signed by you
Yes	Copy of medical report	Detailing the nature and date of onset ailment / accident
Yes	Original bills and receipts	Related to this claim
Yes	Copy of all relevant X-Rays / MRI / CT lab test and reports	Should reflect you name and date they were taken
If applicable	Copy of your passport showing the dates of exit and entry	Required if the incident occurred outside your country of residence
If applicable	Copy of police report	Required if claim relates to an accident

Repatriation of Remains

Forms to fill:

To be completed by each Beneficiary: Claimant Statement (Form CL-39) (English / Arabic)

To be completed by Treating Physician: Physician Statement (Form CL-40) (English / Arabic)

Required	Documents	Notes
Yes	Claim Forms (Claimant and Physician Statements)	Fully completed and signed by beneficiary(ies) and the physician/surgeon
Yes	Copy of medical report	Detailing the nature and date of loss of life
Yes	Original Death Certificate
Yes	Passport copy of the policy holder
Yes	Passport or ID copies of the beneficiary (ies)
Yes	Original bills and receipts	Related to this claim

Flight Delay

Forms to fill: Travel Delay Claim Form

Checklist

Required	Documents	Notes
Yes	Claim Form	Fully completed and signed by you
Yes	Confirmation from Airline showing that the scheduled flight was delayed for 6 hours or canceled	Ticket must be fully paid, confirmed and booked to travel
Yes	Itemized list, original bills and receipts for the emergency purchases of meals, refreshments, hotel expenses and airport transfer expenses	For each delay
Yes	Copy of your airline ticket
Yes	Passport copy	Showing dates of entry and exit
If applicable	Copy of Credit Card	If it has Travel Insurance Benefit and was used for this trip

Baggage Delay, Loss or Damage

Forms to fill: Baggage Delay / Loss Claim Form

Checklist

Required	Documents	Notes
Yes	Claim Form	Fully completed and signed by you
Yes	Property irregularity report	Provided by Airline / Airport authorities
Yes	Original bills and receipts for the emergency purchases and necessary replacement clothing and toiletries
Yes	Copies of your tag numbers
Yes	Copy of your airline ticket
Yes	Passport copy	Showing dates of entry and exit
If applicable	Copy of Credit Card	If it has Travel Insurance Benefit and was used for this trip

Baggage Delay, Loss or Damage (checked, control & custody of common carrier) (no form found)

Required	Documents	Notes
Yes	Claim Form	Fully completed and signed by you
Yes	Property irregularity report	Provided by Airline / Airport authorities
Yes	Original bills and receipts for the emergency purchases and necessary replacement clothing and toiletries
Yes	Copies of your tag numbers
Yes	Copy of your airline ticket
Yes	Passport copy	Showing dates of entry and exit
Yes	Letter from Airline	Confirming that baggage was lost and that you were reimbursed (including the amount reimbursed) by them for the loss of your baggage
Yes	Copy of the claim made to the carrier / authorized agent	Showing a list of items lost and their prices
If applicable	Copy of Credit Card	If it has Travel Insurance Benefit and was used for this trip

Personal Liability

Forms to fill: Medical Reimbursement Claim Form (English) / (Arabic)

Checklist

Required	Documents	Notes
Yes	Claim Form	Part A fully completed and signed by you
Yes	Details of damaged	Including any supporting documents
Yes	Police Report	Related to the claim

How to Submit the Claim

For Group Claims: (Medical cards & any insurance held through the employer)

For Individual Claims:

You email the copies to lifeclaims@metlife.ae

Original documents to be sent to:

MetLife

Claims Department PO Box 371916,

Dubai, UAE

Claim Reimbursement Modes

While filling the form or submitting your claim online, you may choose how you would like to receive the reimbursed amount:

By Wire Transfer

Fast, convenient and secure, our Electronic Fund Transfer service allows you to receive the reimbursed amount directly to your bank accounts.

In order to benefit from this option, please update the following details on myMetLife desktop or mobile app (Android / iOS):

- Full Bank Name

- IBAN or Account Number (if country does not have an IBAN)

- Beneficiary Name (when applicable)

- Swift code.

Note if the amount is to be transferred to India, please include the IFSC code as well.

By Cheque (expandable drop down section)

To benefit from this option, please provide your:

- Full Bank Name

- IBAN or Account Details

- Current Address

You may request the cheque to be delivered directly to you or picked up from one of our offices.

Important to know

Notifying Us & Submitting the Documents

For Medical Claims

All necessary claims documents are to be submitted within 90 days of the incurred date
Claims received after 90 days will not be processed

Note: If any of the documents is in another language (Arabic or English)– if you had a surgery overseas, for example – it should be translated by an official public translator before you send them to us.

For Individual Claims

Notify us within 10 calendars days the incident occurred. You can email us on Gulflifeclaims@metlife.com us the documents related to your claim within 30 calendar days (in English or Arabic)

Note: If any of the documents is in another language – if you had an accident overseas, for example – it should be translated by an official public translator before you send them to us.

Preventing Delays in Processing a Claim

To help us process your insurance claim as quickly as possible, we ask you to follow the above steps carefully. Otherwise your claim could be delayed or potentially rejected.

Please ensure your IBAN (or account number if your country does not have an IBAN), swift code and bank name are correct.

Attending a Medical Examination

In certain cases, MetLife may also need you to attend a medical examination before we can complete your claim. If this applies in your case, we will let you know.

Providing us with the Claim Receipt

After an insurance claim is paid, it is very important that within 15 days you or your beneficiaries return the claim receipt to MetLife, as we are legally required to store this document in our records.

myMetLife App

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Please note

By your side Always

By your side Always

Our customers’ claims are our top priority

Our claims stories and testimonials

Real stories from real customers

myMetLife App

Individuals

Businesses

Partners and Advisers

How we can support you

Who We Are

Please note

By your side Always

By your side Always

Our customers’ claims are our top priority

Accelerated Claims Payout Benefit

Our claims stories and testimonials

Real stories from real customers

myMetLife App

Individuals

Businesses

Partners and Advisers

How we can support you

Who We Are