A notification of the death of the policyholder. This must include the full name of the Insured (including father’s name), policy number, date of death, cause of death, and any other information that may be relevant to this claim, for example, names of hospitals and doctors involved.
Claimant’s Statement (Form CL-39). Each beneficiary should complete a separate claimant’s statement. In the case of minor beneficiaries, the guardian must sign the claimant’s statement on their behalf. Each form must be signed in front of the MetLife Claims Manager.
Claim form CL-40. This form should be completed by the Physician who treated the insured during their last illness.
A detailed medical report.
A copy of the passport of the deceased and copies of passports or ID Cards of the beneficiaries.
The original Death Certificate.
The Original Guardianship / Tutorship Certificate issued by court and specifying 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”.
The Original Succession Certificate. This is required in cases where the names of the beneficiaries are not specified or when beneficiaries are mentioned as “legal heirs”.
The Original Policy Document. The Terms and Conditions, after the death of the Insured, state that the contract terminates and policy contract must be returned to us.
A copy of the Police Report (if death was a result of accident or murder or whenever a report is made specifically in connection with a certain death).
The Post Mortem / Autopsy or Coroner’s Report.
The exact addresses and telephone numbers of all beneficiaries.
Newspaper clipping (if applicable).
Additionally if the deceased was a group policy holder:
A Letter from 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.
A Salary slip showing the last monthly basic salary drawn by late Insured.
MetLife reserves the right to ask for further documents, when it deems necessary.
Claim form CL-41 for Total disability. This must be completed and signed by you and your treating physician.
A copy of all relevant X-Rays / Lab Test and reports. These should show your name and the date they were taken.
A copy of your Attending Physician’s Statement (APS) or the medical report detailing the nature and date of the accident.
Regular medical reports providing status on the disability (if you are eligible for waved premium benefit). In certain cases, we may also need you to attend a medical examination or provide more details requested through a doctor or a medical committee. If this applies in your case, we will let you know.
A copy of the Police Report (if your claim relates to an accident).
Scenario I: Admission to a Center within the Network
The patient sends the attending physician statement by fax or e-mail to MetLife's claims department.A prior notification would be preferable
MetLife claims department sends a referral letter to the center
The patient pays the excess deductible if any
Scenario II: Admission to a center outside the Network
The patient pays the bill and leaves the center
The patient submits the bill along with all needed documents and gets reimbursed within a maximum of 14 days. The bills would be audited with respect to MetLife tariff.
Scenario I: From a Pharmacy within the Network
The patient submits the prescription and his MetLife card and receives the needed medicines.
The empty boxes and all related documents should be left in the pharmacy
The patient pays the excess deductible if any.
Scenario II: Admission to a Pharmacy outside the Network
The patient pays the bill
The patient submits the bill and gets reimbursed within a maximum of 14 days. The bills would be audited with respect to MetLife tariff.
The patient visits the Doctor’s clinic
The patient pays the bill and leaves the clinic
The patient submits the bill and gets reimbursed within a maximum of 14 days. The bills would be audited with respect to MetLife tariff
3. Please make sure that all the documents related to your claim are written in either English or Arabic. If any documents are in another language – if you had an accident overseas, for example – they should be translated by an official public translator before you send them to us.
4. To help us process your claim as quickly as possible, we ask you to follow the above steps carefully. Otherwise your claim could be delayed or potentially rejected. In certain cases, we 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.
5. After a Claim is paid, it is very important that within 15 days you or your beneficiaries return the claim receipt to us, as we are legally required to store this document in our records.