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FAQs

It is important you understand what we offer at MetLife. We've pulled together some frequently asked questions and answers to help you.
About MetLife
How large is MetLife? Collapsed Expanded

MetLife is one of the largest international Life Insurance companies in the world, with a solid base in over 50 countries and regions including Japan, Europe, the Middle East, South Asia, Latin America and the Caribbean. With multi-country, multi-cultural and multi-lifestyle requirements, we have become experts in providing life and health insurance products that suit various needs. Covering a wide range of people with diverse insurance plans, we pride ourselves on our level of expertise and personal service. MetLife Lebanon is part of the MetLife family, providing protection, savings and retirement solutions to 90 million customers in over 60 countries.

For how long has MetLife been in business? Collapsed Expanded

We’ve been providing quality life, accident and health cover for over 150 years across the world. In Lebanon, we started our first operations in 1953 as the first company to be issued an insurance license – and in the last 65 years we have grown to serve over 100,000 customers.

Why should I choose MetLife? Collapsed Expanded

The extensive experience we’ve gathered over the years through international diversification sets us apart. We have at the heart of our business an ability to respond quickly to customer needs, global trends and market conditions. We're committed to providing relevant products for individuals and employing distribution channels that suit our clients in every area we operate. This, together with our regional and global network of trusted medical providers, managed care facilities and an unswerving customer focus, is what makes us different. If you'd like to talk to one of our professional insurance consultants and see what we can do for your insurance needs, simply complete and submit the "Contact us" form and one of our consultants will call you at your convenience

What products and services does MetLife offer? Collapsed Expanded

What products and services does MetLife offer?

We offer a wide range of life, accident and health insurance products, to meet practically every need you might have. We have traditional life insurance policies that pay out a lump-sum to your dependents in the event of your death, life cover with an investment potential, cover for your children, critical illness insurance, mortgage protection, a range of medical plans and personal injury cover. We also offer group insurance products, pension options and annuities through a variety of channels. Using our website, you'll find comprehensive details on all the products we offer. If you prefer to talk with us, simply fill in our short ‘Contact us form’ and one of our consultants call you at your convenience.

Does MetLife have an office near me? Collapsed Expanded

Yes. We have offices, personal advisers and agents all over Lebanon. You can find the one closest to you by visiting ‘Our Offices’ section on our website.

How are MetLife consultants selected and trained? Collapsed Expanded

Our consultants are very carefully selected for their professional expertise and their knowledge of all aspects of life insurance to meet a diverse range of customer needs. They all receive ongoing, comprehensive training to keep them up-to-date with what we offer and how we can benefit our clients.

How can I purchase a product from MetLife? Collapsed Expanded

Our easy-to-navigate website will give you a thorough idea of the life, accident and health insurance products we have to offer. You'll find a concise overview of every product and a further detailed explanation of what the terms are exactly and how they might benefit you. The best way to work out what's right for you is to fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience

Life Insurance
I want to take out life insurance. Where do I begin? Collapsed Expanded

You've started at the right place by coming to us. Now you have to think about exactly what you need us to cover in case you can't be there. Gathering some personal financial information would be the best way to do it. For instance, will your family stay in the same home? What monthly expenses have to be met? And for how long? Will you need us to cover schooling fees, transport costs, additional help at home? Remember, everyone goes through unique life circumstances. To help us help you in the best way possible, please fill in the short ‘Contact us form’ and one of our consultants will call you at your convenience to discuss your needs.  

 

How do I qualify for term life insurance? Collapsed Expanded

Your eligibility may vary depending on the type of policy you’re interested in. To start with, you can look at the range of products we offer and the eligibility criteria for each. Plus, you'll get a good idea of what might be right for you and your family. You can then talk with one of our personal advisers for a more detailed plan that meets your specific needs. Simply fill in the short ‘Contact us form’ and one of our consultants will call you at your convenience.  

 

How much life insurance do I need? Collapsed Expanded

This is a question that will be dependent on your own individual circumstances. Things like how many dependents you have, what payments you have to cover every month and of course, your age also makes a difference to just how much cover you'll need. The best way to work out what's right for you is to fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience. They'll take you through a few questions that will help determine what your needs are now and what they might be in the future.

 

Is there any cash value with the term policy? Collapsed Expanded

Term policy is a life insurance, which pays a certain sum as specified in the contract to your beneficiaries if you, the insured, die during a specified period. Since the premiums paid are used entirely to protect you, there is no cash value on a term insurance policy.

 

Life insurance seems to be a luxury. How can I justify the payments when I have other priorities to take care of? Collapsed Expanded

Life insurance helps protect all your other priorities, like your family, your home and your income. This makes life insurance more of a necessity than a luxury. Life can be unexpected, and although we understand you don’t like to think about unpleasant things that may happen, it's always better to have a plan B. If you'd like to talk with one of our consultants about what sort of cover you might need, fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience.

 

Why do I need life insurance – why now? Collapsed Expanded

The main purpose of life insurance is to provide financial support for anyone you might leave behind in the unfortunate event of your death. The money your insurance will provide will ensure that your family keeps the home they live in, has enough money to live on and can cover costs like school fees and bills. Life insurance plans can also be a form of savings, used for your future needs like your child’s education, daughter's wedding or even an added income for your retirement, to help you maintain the standard of living you have built up over the years. If you’d like to know more about how a life insurance plan could suit your specific needs, fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience.

 

Accident & Health Insurance
How do I find the right health insurance? Collapsed Expanded

Look at the range of products we offer and the different features of each to decide on the right plan for your specific needs. If you need help deciding, fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience.

 

How does Critical Illness insurance work? Collapsed Expanded

Critical illness insurance provides a lump-sum amount if you are diagnosed with any of the illnesses covered by your policy. At MetLife, we cover up to 32 different illnesses, from cancer to coronary conditions, giving you access to cutting-edge medical services, as well as financial benefits to help you maintain your commitments, independence and lifestyle. If you’d like to discuss a plan specific to your condition, fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience.

 

How much disability income protection insurance coverage should I have? Collapsed Expanded

This is a question that will be dependent on your own individual circumstances. Things like how many dependents you have, what payments you have to cover every month and, of course, your age makes a difference to just how much cover you'll need. It's worth remembering that any disability income protection plan will only replace a portion of your income. So, the best way to work out what's right for you is to fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience. They'll take you through a few questions that will help determine what your needs are now and what they might be in the future.

 

I am covered by my company's group medical policy. Do I need further insurance? Collapsed Expanded

The first thing to do is check what your company policy covers you for. Quite often this type of cover provides initial basic insurance that may not be sufficient to cover all your needs. How much and what type of cover you need will be dependent on your own individual circumstances. The best way to find out what’s right for you is to fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience. They’ll take you through a few questions that will help determine what your needs are now and what they might be in the future.

 

Are pre-existing conditions covered by health insurance? Collapsed Expanded

Our policies cover pre-existing conditions. But we do recommend that you get in touch with one of our consultants to discuss your individual case. Simply fill in our short ‘Contact us form’ and one of our advisors will call you at your convenience.

 

Am I insured overseas? Collapsed Expanded

All our policies include worldwide coverage, so you can be confident that you're covered whenever you go.

 

Am I covered for the treatment of all types of health problems and diseases? Collapsed Expanded

Our standard policy provides comprehensive medical coverage. However, we have to take into consideration your individual needs. If you have a pre-existing condition, a congenital anomaly or other special medical needs, this may impact the cover you receive. If this is the case, your policy will detail the extent of cover, specific exclusions and benefit maximums. You can always talk with one of our consultants if you are unsure about your cover. Simply fill in our short ‘Contact us form’ and one of our advisors will call you at your convenience.

 

Can I add all my children to my health insurance policy? Collapsed Expanded

It’s possible to cover all your children who are between the ages of 6 months to 19 years old. You can even add older children to your policy, up to the age of 23, if they are full-time students. To find out how this option might work for you, simply fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience to discuss your requirements.

 

Can I take out an insurance policy for my spouse? Collapsed Expanded

We offer a wide range of products to protect you and your family, even when abroad. To see which option would be best for you, simply fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience.

 

If I take out an individual insurance in addition to the MetLife group insurance provided by my company, do I get any extra benefit? Collapsed Expanded

Your group insurance benefits are specified and agreed between your employer and us. Your employer will be able to provide you with the details of your group policy. If you find that your group insurance doesn't cover your specific needs, you can always talk with us about an individual plan that has all the extra benefits you want. Simply fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience.

 

       

Group Insurance through an employer
What benefits can I offer my employees? Collapsed Expanded

MetLife offers a wide range of Group Life and Medical plans including in-and-out patient benefits, covering ambulatory services, physiotherapy sessions, doctor visits, prescribed drugs, maternity, tele-medicine, critical illness and more. The best way to work out what’s right for your company and employees is to fill in our short ‘Contact us form’ and one of our qualified consultants will call you at your convenience. They’ll take you through a few questions that will help determine what your needs are now and what they might be in the future

 

Does a MetLife Group Insurance offer dental and optical benefits?** Collapsed Expanded

In addition to the full in-and-out patient coverage, you can also include dental and optical benefits into your plan. If you would like to discuss this further, please fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience to answer any questions you might have.

 

Do MetLife Group Insurance plans offer terrorism and war coverage? Collapsed Expanded

MetLife offers both these covers. The coverage for acts of terrorism is included in the basic cover that is offered under our life and medical plans. Additionally, you can choose to include cover for passive war risk.

 

I’m an employer and all my employees benefit from the National Social Security Funds? Do I still need to buy a group medical plan? Collapsed Expanded

While the NSSF covers your employees, it would be possible to provide them with additional cover. Our tailor-made products give you the opportunity to choose the right benefits for your employees’ specific needs. If you’d like a more detailed plan, simply fill in the short ‘Contact us form and one of our consultants will call you at your convenience.

 

We’re a UK based company and some of our staff work in the UAE. Can I take out a group policy in the UK to cover them or do I need to do that through the MetLife Lebanon office? Collapsed Expanded

According to local regulations and in line with the introduction of mandatory health insurance in the region, you should take out a policy from our local office in Lebanon. If you’d like to discuss this further, please fill in our short ‘Contact us form’ and one of our consultants will call you to answer any questions you might have.

 

My company has several branches all over the world. Do we need to take out international coverage for our employees? Collapsed Expanded

One of the unique features of our group insurance products is regional/worldwide coverage based on your needs. If you’d like to discuss this further, please fill in our short ‘Contact us form’ and one of our consultants will call you to answer any questions you might have.

 

I am covered by my company's group medical policy. Do I need further insurance? Collapsed Expanded

The first thing to do is check what your company policy covers you for. Quite often this type of cover provides initial basic insurance that may not be sufficient to cover all your needs. How much and what type of cover you need will be dependent on your own individual circumstances. The best way to find out what’s right for you is to fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience. They’ll take you through a few questions that will help determine what your needs are now and what they might be in the future.

 

What are the criteria for eligibility for your group medical insurance? Collapsed Expanded

As we provide corporate Medical insurance to your company, eligibility into the group is determined in conjunction with your employer. In almost all cases, your employer will extend cover to all employees who are actively at work. You may want to talk to your employer or your HR department directly to see what they can offer.

 

How long does it take to issue a MetLife card for a new member? Collapsed Expanded

We do our best to register new members as quickly as possible. Our standard turnaround time for issuing MetLife cards, following enrolment, is five working days.

 

Does MetLife group policy cover treatment of all types of health problems and diseases? Collapsed Expanded

Our standard group policy provides comprehensive medical coverage. However, we have to take into consideration individual needs. If you have employees with pre-existing conditions, a congenital anomaly or any other special medical needs, this may impact the cover they receive. If this is the case, your group policy will detail the extent of cover, specific exclusions and benefit maximums. You can always talk with one of our consultants if you are unsure about your cover. Simply fill in our short ‘Contact us form’ and one of our advisors will call you at your convenience.

 

Is it possible to combine several medical costs in one claim form? Collapsed Expanded

Yes. That's perfectly fine if you need to. Just make to provide the details of all costs and our claims staff will ensure the correct split is achieved while processing your form.

 

What is the time limit for group policy members to submit their claims? Collapsed Expanded

We recommend group policy members to submit their claims as soon as they are incurred. But we understand that sometimes it might not be possible. That’s why we ask members to submit their claims no later than 90 days from the date of expense.

 

How long does it take to reimburse claims to members? Collapsed Expanded

Once we receive all the relevant and completed documentation for a claim, we will process it within 14 working days. Quite often it takes less time than this.

 

Does your group policy cover cost of medical treatment outside Lebanon? Collapsed Expanded

The geographical limit of our cover can be set at whatever area is appropriate for your company’s needs – locally, regionally or worldwide. It's important to check the extent of your cover with your employer if you are thinking of traveling.

 

How do I know which are the hospitals, pharmacies and clinics that I can use? Collapsed Expanded

MetLife is contracted with almost all the major hospitals, laboratories and pharmacies in the Lebanese territory including university hospitals. You can see the list of approved medical providers here.

 

What are the requirements for members to receive treatment outside Lebanon? Collapsed Expanded

First, you should include specific geographic coverage to your policy through the regional or worldwide options. Second, the selected country of treatment should be included in the geographical scope of your policy.

 

Does your group policy cover the cost of specified medical operations that are already pre-arranged through one of the healthcare centers outside Lebanon? Collapsed Expanded

We want to make our policy as beneficial to our customers as possible, so we're happy to settle expenses that have been approved through our pre-determination process to providers outside Lebanon. 

 

What is the maximum number of dependents that employees can include? Collapsed Expanded

We don't set a limit for the number of dependents that can be covered under our plans. You might find that your employer has set a limit, as they are the policyholder.

 

I have insurance provided by my employer. Can I add my family to this policy or increase cover? Collapsed Expanded

The cover and benefits provided by your group insurance are agreed between your employer and us. If your employer has included family coverage then you can quite easily add your family to the policy. However, if your employer's policy with us does not include family or higher cover, but you wish to, you can talk directly with us for a more detailed plan of your requirements. Simply fill in our short ‘Contact us form’ and one of our personal advisors will call you at your convenience.

 

If I take out an individual insurance in addition to the MetLife group insurance provided by my company, do I get any extra benefit? Collapsed Expanded

Your group insurance benefits are specified and agreed between your employer and us. Your employer will be able to provide you with the details of your group policy. If you find that your group insurance doesn't cover your specific needs, you can always talk with us about an individual plan that has all the extra benefits you want. Simply fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience.

 

How do I manage my policy?
Can I increase my coverage? Collapsed Expanded

You can at any time adjust your policy to suit your needs. Please contact your agent and you’ll be able to increase your face amount or add more riders to your existing coverage with MetLife. For more information, contact our customer service from 8:30am to 4:30pm on +961-1-352752.

 

Can I reduce my coverage? Collapsed Expanded

You can reduce the amount of cover you have, subject to your policy terms and conditions. All you have to do is call our customer service from 8:30am to 4:30pm on +961-1-352752 and we’ll work with you to adjust your policy to your needs.

 

How do I update my personal details? Collapsed Expanded

It's easy and quick. But it's also very important that you do so whenever something changes, so we can keep your policy up-to-date. Simply fill and submit our ‘Request for policy change'.

 

How often do I have to pay my premiums? Collapsed Expanded

You choose the payment term that suits your needs and budget. Depending on the type of policy you have, you could pay your premiums annually, semi-annually, quarterly, or even monthly (subject to sign a domiciliation form). For some policies, you can make a one-off payment known as a single premium payment.

 

Do I get an acknowledgement for my paid premiums? Collapsed Expanded

Yes. For your records, you will receive a deposit receipt as an acknowledgement of any payment made in addition to a confirmation of payment SMS on your mobile number.

 

How often should I review my policy? Collapsed Expanded

It's a good idea to review the cover you have on a regular basis, at least once a year. If you’re going through life changes, for instance getting married, having a baby or expanding your business, you may need to check more often to make sure your insurance covers your new situation. The best way to make sure you still have adequate cover is to talk with us. Simply fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience. Simply call us at +961-1-3522752 from 8:30am to 4:30pm; or fill in our ‘Contact us form’ and one of our expert consultants will call you at your convenience. 

Why should I register my policy online? Collapsed Expanded

By registering your policy online, you can get a statement of account, monitor your funds’ performance and stay aware of all the details of your life/Personal accident coverage. To do so, please send a request to: lb-support@metlife.com. We’ll then provide you with a password allowing you to register your policy online. For more information, contact our customer service department from 8:30am to 4:30pm on +961-1-352752.   

Why should I notify MetLife if I change my mailing address? Collapsed Expanded

We send you on an annual basis an automated statement of account in addition to other communications to your mailing address stored in our database. In case you change your address, simply fill and submit the ‘Change of address form’ witnessed by your agent. For more information, contact our customer service department from 8:30am to 4:30pm on +961-1-352752.   

 

Can I change beneficiaries? Collapsed Expanded

You can change your life/Personal accident policy’s beneficiaries at any time you want. Simply fill and submit the ‘ Request for policy change’ witnessed by your agent and an endorsement will be sent to you. For more information, contact our customer service department from 8:30am to 4:30pm on +961-1-352752.    

 

 

Can I convert my term policy into a savings plan? Collapsed Expanded

You can change your life/Personal accident policy’s beneficiaries at any time you want. Simply fill and submit the ‘ Request for policy change’ witnessed by your agent and an endorsement will be sent to you. For more information, contact our customer service department from 8:30am to 4:30pm on +961-1-352752

Can I convert my term policy into a savings plan? Collapsed Expanded

Yes, subject to your policy terms and conditions. By converting your term policy into a savings plan, you’ll be able to benefit from life protection for your family, in addition to an investment plan. Simply fill and submit the ‘Request for policy conversion to VUL Conversion form’ witnessed by your agent. For more information, contact our customer service department from 8:30am to 4:30pm on +961-1-352752.    

 

Can I to settle my policy’s payments via bank domiciliation? Collapsed Expanded

If you don’t have time for normal collection procedures, you can opt for bank domiciliation instead. Simply fill and submit the ‘Bank domiciliation form’ witnessed by your agent. For more information, contact our customer service department from 8:30am to 4:30pm +961-1-352752, ext.: 1713/1714.

 

What happens if I miss a payment? Collapsed Expanded

If you missed a payment and are worried about your policy being invalid, please contact us as soon as possible from 8:30am to 4:30pm on +961-1-352752. 

 

How do I make a claim?
How do I make a claim? Collapsed Expanded

You'll find all the information on making a claim under ‘How we can help you’ section on our website. We've made the process as simple as possible but please double check that you are following the right procedure as it can slightly vary from one policy to another. If you have any questions about your claim or the process, please don't hesitate to call one of our customer service representatives in Lebanon on +961-1-352752.

 

Is there any time limitation to submit my claim? Collapsed Expanded

To make sure your claim is processed as quickly as possible, you or someone on your behalf, have to let us know of any claim you're making within 10 calendar days from the date that the incident. We've made the process as simple as possible but please double check that you are following the right procedure as it can slightly vary from one policy to another.  

 

Is it possible to combine several medical costs in one claim form? Collapsed Expanded

Yes. That's perfectly fine if you need to. Just make to provide the details of all costs and our claims staff will ensure the correct split is achieved while processing your form.

 

What services and features are available after I register? Collapsed Expanded

For most policy types, once you've registered your policies with MyMetLife, you'll have access to the following features:

 

What types of policies can I register? Collapsed Expanded

Currently, you can register all active and valid Individual life policies as well as Accident and Health policies issued to you by MetLife. You will not be able to register any MetLife policy that has been issued to you through your employer.

 

How many policies can I register? Collapsed Expanded

You can register as many policies as you have. You can also register with one policy and chose to link all your other policies to the same login ID (e-mail) and password by using our "Link Policy" option.

 

I'm having trouble selecting a password. What should I do? Collapsed Expanded

First, make sure you've selected a password that between 8 and 13 characters, is alphanumeric (A-Z, a-z, 0-9), begins and ends with an alphabet and contains at least two numbers. If you’re still having trouble, simply fill in our short ‘Contact us form’ and one of our consultants will call you at your convenience to help you with the registration process.

 

Why does my password have to contain both letters and numbers? Collapsed Expanded

By having a combination of letters and numbers you increase the security of your password and minimize the chance of someone guessing it or figuring it out.

 

Why can't I register my policy? Collapsed Expanded

There are several reasons why you may not be able to register your policy:

  1. You may have incorrectly entered your policy number. In this case, you may want to double-check your policy number(s) using your bill or policy document.

  2. There may be a mismatch between the policy number and password. You can verify that by matching the last 4 policy digits against the 4 digits provided in the password mailer.

  3. The policy you want to access may not be available for online registration (i.e. Medical policy issued by your employer).

  4. You may have attempted to register a life policy or accident and health policy which is no longer active or valid.

  5. If you're having difficulty, whatever the reason, please feel free to call us on +961-1-352752 and we’ll help you resolve the issue.