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Our customers’ claims are our top priority
We have made our claims submission as simple as possible, ensuring that our customers have the right support and tools to quickly make a claim, wherever they are.
Download our 2023 Claims Report
Want to submit a claim?
Below is a check-list with the processes and documents needed for each claim type. Select the type of claim you need to make to start the process.
Our myMetLife App, makes it easy for you to access your solutions, manage your policies and track your health - at anytime, anywhere.
For Total Permanent Disability
Forms to fill:
Claimant Statement (Form 321) (English / Arabic) and
Physician Statement (Form 322) (English / Arabic)
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 your 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 | Detailed 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 |
For Surgical, Accident Medical Reimbursement and/or Medical Expenses Coverage for Policies held through the employer:
Submit a claim (in English or Arabic) through myMetLife desktop or mobile app (Android / iOS) by uploading the documents listed below.
Checklist
| Required | Documents | Notes |
| Yes | Detailed medical report (English / Arabic) | Signed by treating physician |
| Yes | Clinic/hospital bill with itemized breakdown | - |
| Yes | Lab test relevant X-Rays / Echogaphy / MRIs and reports | Only related to this incident |
| If applicable | Emergency ambulance bill | Copy |
| If applicable | Physio therapy | Requires prior referral from specialists orthopedic or neurologist |
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
| 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 does not 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 your 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 police report | Required if claim relates to an accident |
For In hospital income
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 |
For Recovery benefit plan / critical care coverage
Form to fill: Recovery Benefit Plan Claim Form (English / Arabic)
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 your name and date they were taken |
| If applicable | Copy of other documents | If this applies in your case, we will let you know |
For dismemberment
Form to fill: Claimant’s Statement Form (CL-20) (English / Arabic)
Checklist
| Required | Document | Notes |
| Yes | Claimant’s Statement Form (CL-20) (English / Arabic) | 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 | Copy of medical report | Detailing the nature and date of onset ailment / accident and degree of disability |
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) (English / Arabic)
To be completed by the Treating Physician: Physician Statement (Form CL-40) (English / Arabic)
*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.
| 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 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 |
Forms to fill:
To be completed by each Beneficiary*: Claimant Statement (Form CL-39) (English / Arabic)
To be completed by the Treating Physician: Physician Statement (Form CL-40) (English / Arabic)
*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 | 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 | 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 |
| Yes | 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 |
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) (English / Arabic)
| 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
| 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) (no form found)
| 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 |
Personal Liability
Forms to fill: Medical Reimbursement Claim Form (English) / (Arabic)
| 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 |
How to Submit the Claim
For Group Claims: (Medical cards & any insurance held through the employer)
Login to myMetLife desktop or mobile app (Android / iOS) to submit your claim.
For Individual Claims:
You email the copies to lifeclaims@metlife.ae
Original documents to be sent to:
MetLife
Claims Department
PO Box 371916,
Dubai, UAE
Claim Reimbursement Modes
While filling the form or submitting your claim online, you may choose how you would like to receive the reimbursed amount:
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 myMetLife desktop or mobile app (Android / iOS):
- Full Bank Name
- IBAN or Account Number (if country does not have an IBAN)
- Beneficiary Name (when applicable)
- Swift code.
Note if the amount is to be transferred to India, please include the IFSC code as well.
By Cheque (expandable drop down section)
To benefit from this option, please provide your:
- Full Bank Name
- IBAN or 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
For Medical Claims
- All necessary claims documents are to be submitted within 90 days of the incurred date
- Claims received after 90 days will not be processed
Note: If any of the documents is in another language (Arabic or English)– if you had a surgery 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 us on Gulflifeclaims@metlife.com 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.
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.
Please ensure your IBAN (or account number if your country does not have an IBAN), swift code and bank name are correct.
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.
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.
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