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Make a Claim

Simplicity when the world seems complicated

Simplicity when the world seems complicated

Enjoy the convenience of an easy claim process, designed with you in mind. We’ve made the journey simple, and easy to understand, so that you can get back to living your best life.

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 app makes it easy to access your products, manage your policies and track your health; wherever you are.

Medical Claim Reimbursement Collapsed Expanded

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

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

 bRequires prior referral from spciailts orthopedic or neurologist

 

 

 

 

 

Accident Weekly Indemnity Collapsed Expanded

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 Collapsed Expanded

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

Permanent Total Disability Collapsed Expanded

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

Recovery Benefit Plan Collapsed Expanded

For Recovery benefit plan / critical care coverage

Form to fill: Recovery Benefit Plan Claim Form

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 Collapsed Expanded

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) Collapsed Expanded

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) Collapsed Expanded

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.

 

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 Collapsed Expanded

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)

Login to myMetLife desktop or mobile app (Android / iOS) to submit your claim.

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 Collapsed Expanded

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 Collapsed Expanded

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 lifeclaims@metlfie.ae 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 Collapsed Expanded

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 Collapsed Expanded

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 Collapsed Expanded

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

Our app makes it easy to access your products, manage your policies and track your health; wherever you are.