Metlife Health Insurance

Why Choose Metlife Health Insurance?

Picking a health insurer in the UAE is really about three things: network access, coverage clarity, and smooth claims. Metlife performs well across all three with —

✔️ Access to 3200+ clinics & hospitals across all emirates

✔️ Plans for clinic-only, clinics + hospitals, and premium networks

✔️ Emergency treatment coverage in most plans

✔️ Options for maternity, dental, and optical benefits

✔️ Direct billing + fast reimbursement support

✔️ Plans that meet UAE visa & employer requirements

✔️ Affordable premiums with multiple plan tiers

✔️ Coverage for pre-existing & chronic conditions (as per regulator rules)

Types of Metlife Health Insurance Plans

1. Basic Health Insurance (EBP / Essential Benefits Plan)

This is the simplest and most affordable plan, mainly chosen for the UAE visa requirements or domestic helpers.

• Covers essential medical services
• GP referral needed for most specialists
• Access to clinics only or a small hospital network
• Limited outpatient & pharmacy benefits
• Emergency care at the nearest hospital

Best for: Domestic workers, low-income earners, dependents who need only essential cover.

2. Semi-Comprehensive Plan

This is ideal if you need more flexibility and comfort without paying premium-level prices.

• Wider network, including hospitals
• Specialist access (with or without referral, depending on plan)
• Better inpatient limits and approvals
• Higher pharmacy limits

Best for: Individuals and families who want affordability but fewer restrictions.

3. Comprehensive Plan

It provides you with the highest protection level if you want maximum peace of mind.

• Access to top-tier hospitals across the UAE
• High limits for inpatient & surgeries
• Maternity benefits included
• Chronic & pre-existing conditions covered (after waiting period)
• Optional dental, optical, and alternative treatments

Best for: Families, executives, people with frequent medical needs, and anyone wanting full coverage.

What is Covered in Metlife Health Insurance?

Most Metlife plans include the following core benefits —

• Inpatient treatment & hospitalisation
• Outpatient consultations and diagnostics
• Emergency care at any nearby hospital
• Laboratory tests, X-rays, MRI/CT scans (as per limits)
• Specialist visits (direct or referral-based)
• Prescribed medication expenses
• Coverage for chronic & pre-existing conditions after waiting period
• Optional maternity, dental, and vision benefits

Example: If you’re admitted for appendicitis, the plan covers surgery, anaesthesia, room charges, and follow-up visits (as per plan terms). However,  coverage may differ across plan tiers. We advise you to always check limits and network levels before choosing.

What’s Not Covered in Metlife Health Insurance? 

All health plans come with certain exclusions. Metlife health insurance does not usually cover —

• Cosmetic or non-medically necessary procedures
• IVF, infertility, or assisted reproduction
• Non-prescribed supplements or vitamins
• Self-inflicted injuries
• Injuries due to illegal or reckless activities
• Experimental or unapproved medical treatments
• Dental/optical, unless part of your chosen plan
• Conditions under the waiting period

Eligibility for Metlife Medical Insurance in UAE

You can apply if —

• You hold a valid UAE residency visa
• Your age falls within the insurer’s entry range (usually 0–99 years)
• You’re applying for yourself, family members, dependents, or employees
• Medical history may be required for specific conditions or age groups

Documents Required

To issue your Metlife health policy, you typically need —

• Emirates ID (front & back)
• Passport copy
• Residence visa copy
• Previous insurance details (if available)
• Medical reports for certain age groups or conditions

Who is Metlife Best For?

Choosing the right Metlife plan depends on your healthcare needs, budget, and lifestyle. Here’s who should buy —

• Best for Low-Budget Users: Basic Plan is perfect if you mainly need clinic-level care and want to fulfil the UAE’s minimum visa/health mandate at an affordable price.
• Best for Families: Choose a Semi-Comprehensive or Comprehensive Plan — you get a wider hospital network, maternity benefits, better inpatient limits, and peace of mind for kids and dependents.
• Best for People With Chronic Conditions: A Comprehensive Plan works best in this case. It typically includes more specialist consultations, diagnostics, follow-up visits, and higher annual limits.
• Best for Domestic Workers: A Basic or Essential Benefits Plan (EBP) is usually suitable, offering essential medical coverage at budget-friendly premiums that meet employer requirements.

How Claims Work With Metlife: Cashless vs Reimbursement

Metlife allows you to claim medical expenses in 2 ways: cashless if you visit a network hospital, and reimbursement if you visit a non-network provider. Both methods are straightforward, but knowing the difference helps you avoid delays and unnecessary payments.

Cashless Claims (At Network Hospitals)

1. Visit any hospital in the Metlife network
2. Present your Emirates ID or insurance card
3. The hospital sends a pre-approval request
4. Insurer reviews and approves (or asks for clarification)
5. Treatment is done
6. The insurer settles the bill directly with the hospital
7. You pay only the required copayment

Reimbursement Claims (Non-Network Providers)

1. Pay the hospital bill yourself
2. Collect all bills, reports, and prescriptions
3. Submit the claim form + documents online
4. The insurer reviews and processes the claim
5. You receive eligible reimbursement in 5–15 working days

How to Buy Metlife Health Insurance Policy Through Policybazaarinsurance.ae?

Buying Metlife health insurance through Policybazaarinsurance.ae is simple, fast, and fully digital. Just follow these steps:

1. Visit the Website: Go to Policybazaarinsurance.ae → Health Insurance

2. Enter Your Basic Details: Fill in your age, visa type, location, and dependents. The system will instantly show Metlife plans that match your profile.

3. Apply Filters: Choose  Metlife under the insurer filter.

4. Compare Plans Easily: Review plans side-by-side based on premium, coverage, or optional add-ons.

5. Select a Plan & Pay Securely: Pick the plan that fits your needs and complete the payment online.

6. Get Your Policy Instantly: Your policy document and E-card are generated immediately, no waiting, no paperwork.

Why Buy From Policybazaarinsurance.ae?

✔ Access to top UAE insurers
✔ 24/7 customer support
✔ Clear and transparent plan comparison
✔ Easy renewals and timely reminders
✔ 100% digital process from comparison to policy download