Make a claim

• Medical Claim ReimbursementMore

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

  Sumit a claim through eServices desktop or mobile app by uploading the documents listed below.

  Checklist

  Required	Documents	Notes
  Yes	Detailed medical report	Signed by treating physician
  Yes	Clinic / hospital bill	-
  Yes	Lab test relevant X-Rays / Echography / MRIs and reports	Only related to this incident
  If applicable	Emergency ambulance bill	Original
  If applicable	Police report	Required if claim relates to an accident
  If applicable	Copy of your passport showing the dates of exit and entry	Required if the incident occurred outside your country of residence

   

   

• Accident Weekly IndemnityMore

  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

   

  Checklist

  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 is not to 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 you 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 school report	If entitled to Student Tuition Benefit
  If applicable	Copy of police report	Required if claim relates to an accident
  If applicable	Copy of your passport showing the dates of exit and entry	Required if the incident occurred outside your country of residence

• HospitalizationMore

  For In hospital income, Rock and/or Medcash (IHI & Surgical)

  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 DisabilityMore

  For Total Permanent Disability

  Forms to fill: 

  Claimant Statement (Form 321) and 

  Physician Statement (Form 322)

   

   

  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 you 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	Regular 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 PlanMore

  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 you name and date they were taken
  If applicable	Copy of other documents	If this applies in your case, we will let you know

• DismembermentMore

  For dismemberment

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

  Checklist

  Required	Documents	Notes
  Yes	Claimant’s Statement Form (CL-20)	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	Original bills and receipts	Related to this claim
  Yes	Copy of medical report	Detailing the nature and date of onset ailment / accident and degree of disability
  If applicable	Copy of your passport showing the dates of exit and entry	Required if the incident occurred outside your country of residence

• Loss of Life (Individual Policyholder)More

  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)
  • To be completed by the Treating Physician: Physician Statement (Form CL-40)

  *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	Notification of loss of life of the policyholder	Includes: Full name of the insured (including father’s name) Policy number Date of passing Cause Any information relevant to the claim (hospital name, doctors involved, etc…)
  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
  If applicable	Newspaper clipping(s)

   

• Loss of Life (Group Policyholder)More

  Forms to fill:

  • To be completed by each Beneficiary*: Claimant Statement (Form CL-39)
  • To be completed by the Treating Physician: Physician Statement (Form CL-40)

  *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	Notification of loss of life of the policyholder	Includes: Full name of the insured (including father’s name) Policy number Date of passing Cause Any information relevant to the claim (hospital name, doctors involved, etc…)
  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
  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
  If applicable	Newspaper clipping(s)
  If applicable	Further supporting documents	If this applies, the beneficiary (ies) will be contacted

   

• Travel ClaimsMore

  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)
  • To be completed by Treating Physician: Physician Statement (Form CL-40)

  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 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)

  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

   

   

   

  Prescription Medication Expenses

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

  Checklist

  Required	Documents	Notes
  Yes	Claim Form	Fully completed and signed by you and your treating physician
  Yes	Copy of medical report	Detailing the nature and date of the onset ailment / accident
  Yes	Original pharmacy bills and receipts	Bills and Receipts of usual /customary and reasonable medical expenses incurred along with a Doctor’s prescription
  If applicable	Copy of your passport showing the dates of exit and entry	Required if the incident occurred outside your country of residence

   

   

   

  Prescription Emergency Dental Expenses

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

  Checklist

  Required	Documents	Notes
  Yes	Claim Form	Fully completed and signed by you and your treating physician
  Yes	Copy of medical report	Detailing the nature and date of the onset ailment / accident
  Yes	Original pharmacy bills and receipts	Bills and Receipts of usual /customary and reasonable medical expenses incurred along with a Doctor’s prescription
  Yes	X-Ray films	Taken immediately after the accident or before commencement of any treatment
  If applicable	Copy of your passport showing the dates of exit and entry	Required if the incident occurred outside your country of residence

   

   

   

  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

   

   

   

• By Wire TransferMore

  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 eServices desktop or mobile app:

  • Full Bank Name
  • Beneficiary Account Number (when applicable)
  • Beneficiary Name (when applicable)
  • Swift or IBAN code as per the central bank requirements of the country the funds are sent to. You can use the below table as a reference:

  Transfer to	Required Code
  Bahrain	IBAN
  India	SWIFT & IFSC number
  Kuwait	IBAN
  Lebanon	IBAN
  Oman	SWIFT
  Pakistan	SWIFT
  Qatar	IBAN
  Saudi Arabia	IBAN
  U.A.E.	IBAN

• By ChequeMore

  To benefit from this option, please provide your:

  • Full Bank Name
  • 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 DocumentsMore

  For Medical Claims

  • All necessary claims documents are to be submitted within 30 days of the incurred date
  • Claims received after 90 days will not be processed

  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.

  For Individual Claims

  • Notify us within 10 calendars days the incident occurred. You can email, call or send a request through our contact us page
  • Send 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 ClaimMore

  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.

• Attending a Medical ExaminationMore

  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 ReceiptMore

  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.