MetLife MultiProtect

MetLife MultiProtect provides financial support covering a range of injuries and circumstances. This could be a broken bone, permanent disability, death and funeral costs, or cover whilst staying in a UK hospital. Cover starts from as little as £8 per month, depending on the level of protection you choose. In addition, the cost of your cover won’t change if you make a claim or as you get older.

The MultiProtect product is offered by MetLife, a trusted and reputable insurance provider. MetLife is recognised and used by approximately 100 million customers in 50 countries worldwide. They’ve been around for over 140 years!

What is MetLife MultiProtect?

MetLife MultiProtect is a protection product which covers a huge range of accidents, sickness and situations you and your family may find yourself in. Designed to meet the needs of everyone from families to individuals, Metlife MultiProtect provides customisable cover options for every budget and lifestyle.

Life often throws curve balls – the MetLife MultiProtect policy is designed to make dealing with those curve balls that bit easier.

Eligibility criteria for MetLife MultiProtect

MetLife MultiProtect is a protection product which covers a huge range of accidents, sickness and situations you and your family may find yourself in. Designed to meet the needs of everyone from families to individuals, Metlife MultiProtect provides customisable cover options for every budget and lifestyle.

Life often throws curve balls – the MetLife MultiProtect policy is designed to make dealing with those curve balls that bit easier.

How much does MetLife MultiProtect cost?

Unlike many insurance policies, your age, health, and whether you smoke or not don’t affect your monthly premiums. Instead, the level of cover you wish to take out will drive the cost.

Policies start from as little as £8 a month and you can even add your children for just £1 extra. See Step 3: Level of Protection below for more details about the cost of MultiProtect cover.

How does MetLife MultiProtect work?

Building your own bespoke MultiProtect Policy is easy. In just three steps you can customise cover to suit your needs.

Step 1. Core Cover

MultiProtect includes the following benefits as standard:

  • Broken Bones – cover is up to £3,750 per broken bone, even if you break more than one
  • Accidental death – should the worst happen, MultiProtect provides cover for up to £200,000
  • Total permanent disability – cover up to £250,000
  • Accidental permanent injury – covers a wide range of life-changing injuries up to £250,000
  • UK hospital stays – cover is up to £250 per 24-hour period you’re admitted to a UK hospital due to an accident or sickness (sickness is covered once you’ve had your policy for 12 months)
  • Funeral benefit – up to £10,000 if you die as a result of natural causes, or your premiums returned if your death is within the first year of your policy

Step 2. Optional Cover

MultiProtect provides three additional cover options from just £1 per month:

  • Child Cover – offers a wide range of benefits including children’s cancer cover, and provides protection for children aged 6 months to 18 years, or up to 23 years if your child is in full-time education. Children do not need to live with the policyholder.
  • Active Lifestyle Cover – provides additional cover for accidental injuries such as ligament tears, tendon ruptures and dislocations, so you can keep enjoying the activities you love.
  • Healthcare Cover – is tailored for those who may be at particular risk of contracting certain illnesses, such as those who work in the healthcare sector.

Step 3. Level of Protection

MultiProtect is designed as an affordable protection plan to be tailored to suit your requirements. There are five overall levels of cover; from one to five units. The more units your plan includes, the higher your level of benefits will be should you need to claim.

What does MetLife MultiProtect cover?

Subject to the policy exclusions, MetLife will pay the policy benefits shown in your policy schedule. If a single accident results in a claim for any combination of multiple policy benefits in respect of an insured person, the maximum MetLife will pay will be equal to the policy benefit for accidental total permanent disablement.

10 Advantages of MetLife MultiProtect

We’ve summarised our top 10 advantages of MetLife’s MultiProtect cover and made a simple infographic to highlight them.

If you’d like those 10 advantages quickly:

  • Cover starts from just £8 a month
  • Children can be added to your cover
  • No health or medical questions asked
  • Access to MetLife’s professional wellbeing support centre
  • You can claim multiple times
  • The cost does not increase as you get older
  • The cost does not increase if you make a claim
  • Your policy does not expire if you claim
  • You can reduce the number of units covered at any time
  • You can cancel your policy at any time
10 advantages of MetLife MultiProtect

MetLife in numbers…

Children's claims 69%

69% of MetLife MultiProtect claims relating to children are for broken bones (mostly from just kids being kids). A cash lump sum could allow you to take time off to help get them better.

Amateur sports injuries 79%

79% of sports-related claims are caused by non-professional rugby injuries. If you break your leg, your payment could help cover unexpected costs – such as taxis to work, or takeaways whilst you’re out of action.

More than one claim 21%

21% of MultiProtect customers who have made a claim, have done so more than once. With MultiProtect there is no limit to the number of claims you can make.

(figures based on MetLife claims analysis)

MetLife MultiProtect Terms and Conditions

As part of your policy, MetLife will issue a full terms and conditions document outlining what is and isn’t covered, as well as details about your optional extra cover. The document also includes a list of general exclusions, conditions of the policy, and information on how to make a claim. If there is anything you would like to check before taking out a policy, it’s best to speak to a consultant.

What is not covered by MetLife MultiProtect?

  • Any major broken bone or minor broken bone, as a result of osteoporosis, brittle bone disease, or other degenerative bone disorder
  • Stress fractures or bruised bones
  • A broken nose
  • Soft tissue injuries
  • Dislocation of bones of the fingers, thumbs, and toes
  • Dislocation and tendon ruptures that do not require corrective surgery
  • With respect to loss of use (elbow, hip, shoulder, knee, ankle, wrist), MetLife will not pay any policy benefit where there has been a successful reconstruction or replacement of a joint resulting in function being restored.
  • Hospitalisation resulting from optional surgery (other than voluntary organ donation)
  • Hospitalisation in a non-UK hospital
  • Hospitalisation due to childbirth, abortion, pregnancy or pregnancy-related conditions, including, but not limited to, miscarriage, ectopic pregnancy and placenta praevia
  • Funeral benefit in respect of eligible children
  • Eligible children are not covered under Active Lifestyle Cover or Healthcare Cover
  • Claims where an infectious illness is contracted before the policy start date, or where you have been referred
  • Psychiatric illness, depression, mental or anxiety disorders or stress-related conditions
  • Actual or attempted suicide or self-inflicted injury
  • Active participation in an actual or attempted illegal act, including road traffic offences
  • Participation in some sporting activities including playing professional sport and contests of speed
  • War or act of foreign enemy
  • Aerial flight (other than as fare-paying passenger)
  • Any form of military service
  • Where alcohol was a significant factor
  • Certain tasks undertaken during employment or self-employment

When does a MetLife MultiProtect policy end?

Your cover starts as soon as you take out your policy, and continues until the earliest event:

  • Your 70th birthday;
  • You stop being a UK resident;
  • Payment of benefit for accidental total permanent disablement;
  • You die; or
  • You stop paying your premium.

When does MetLife MultiProtect Child Cover end?

If you have added child cover to your policy, your eligible child is covered until the earliest event:

  • The child’s 18th birthday (23rd birthday if they are in full-time education);
  • The child stops being a UK resident;
  • Payment of benefit for accidental total disablement of the child; or
  • Death of the child.

Why choose Freedom to Insure for your MetLife MultiProtect policy?

Freedom to Insure has an experienced and helpful team of consultants who can find you the most suitable policy. As a highly customisable product, our team will be able to guide you through all of the various levels of protection, as well as any added extras you may require.

If you want to find out more, or get a free no-obligation quote, fill in the form below. One of our MetLife MultiProtect experts will be in touch. Alternatively, give us a call on 0203 092 1372, or visit our contact page.

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