MetLife Group Health Insurance

Why Choose MetLife Group Medical Insurance?

MetLife Group Medical Insurance is designed to help UAE businesses provide strong healthcare support while staying cost-effective. Key advantages include —

• Flexible Plans: You can choose from cost-efficient Essential Benefit Plans or VIP-level coverage depending on budget and employee needs.
• Extensive Medical Network: Access nearly 3,000 healthcare providers across the Gulf with direct billing at leading clinics and hospitals.
• DHA-Compliant: All plans meet Dubai Health Authority (DHA) guidelines, ensuring legal compliance.
• Employee Support: Onboarding assistance, welcome kits, and optional benefits like dental, optical, maternity, and more.

What Does MetLife Group Medical Insurance Cover?

MetLife group medical insurance provides comprehensive coverage, including both inpatient and outpatient care, covering a wide range of treatments and services —

Inpatient Benefits

• Daily hospitalisation expenses
• Ambulance and emergency services
• Surgeries and operating room charges
• ICU and intensive care services
• Diagnostic tests, X-rays, and lab work
• Doctor visits and maternity care

Outpatient Benefits

• GP, specialist, and consultant consultations
• Clinical examinations and diagnostics
• Medications and follow-ups
• Day-care surgeries
• Maternity consultations and vaccinations

This structure allows employers to choose suitable plans for different employee categories or business budgets.

Built-In Support and Simplified Claims

Employees benefit from clear policy communication, fast claim settlements, and seamless service —

• Direct billing with nearly 3,000 medical providers in Gulf
• Transparent policy terms and claims guidance
• MetLife’s Preferred Provider Organisation (PPO) Network enables direct billing at authorised clinics and hospitals.
• Minimal out-of-pocket expenses, just present the insurance card and pay the co-pay or deductible.

This streamlined process reduces paperwork and ensures quick and hassle-free claim settlement.

Additional Benefits to Add in Your MetLife Group Medical Insurance

MetLife group health insurance allows employers to customise the plan further based on business needs —

• Hospital Cash Benefit: Daily cash payout during hospital stays
• Dental Plans:
  • Plan 1: Preventive care and checkups
  • Plan 2: Basic procedures
  • Plan 3: Major procedures like crowns and dentures
• Optical Benefits: Vision exams and eyewear coverage
• Maternity Add-Ons: Enhanced prenatal, delivery, and postnatal care
• Assistance Services: Second opinions, hospital admission help, medical evacuation, and repatriation

Eligibility and Participation

• Eligible Employees: Full-time employees working in the UAE
• Minimum Participation: At least 10 employees
• Dependent Coverage: Available under comprehensive medical plans
• Payment Modes: Quarterly, semi-annual, or annual options

Different Types of Group Health Insurance from Metlife

1-) Group Life and Disability Coverage

In addition to health insurance, MetLife offers Group Life and Disability Insurance to protect employees and their families in critical situations:

Basic Life Cover: Essential Protection for Employees and Their Families

Basic Life Cover provides financial support to an employee’s family in the unfortunate event of death—anywhere in the world.* It's a core part of employee benefits and a key step in offering peace of mind to your team.

• Multiple Earnings Plan: Coverage is based on a fixed multiple of the employee’s monthly or annual salary, offering a scalable solution aligned with income levels.
• Flat Amount Plan: Every employee receives the same coverage amount, regardless of role or salary.
• Class Plan: Coverage is customised based on the employee’s job title, level, or salary band, ideal for organisations with tiered workforce structures.

*Coverage not available in countries subject to  international sanctions.

Supplementary Benefits

Enhance your life cover policy with optional add-ons to provide more complete protection —

• Accidental Loss of Life: Additional payout if death occurs due to an accident.
• Critical Illness Cover: Lump-sum benefit upon diagnosis of a covered critical illness like cancer, heart attack, or stroke, helping the employee manage expenses during recovery.
• Disability Coverage: Financial protection in case of short-term, long-term, or permanent disability resulting from illness or accident.

2-) SME Pre-Packaged Solutions

Designed for small and medium enterprises (SMEs), these Essential Benefit Plans are simple, DHA-compliant, and cost-efficient. Ideal for businesses with fewer than 100 employees. Key benefits include —

• Affordable coverage to meet legal requirements
• Fast setup with predefined packages
• Flexible coverage for growing teams

3-) Other Pre-Pack Options

Health Plus: Integrated Insurance Package

Health Plus is a pre-packaged solution that combines medical, life, and accident insurance, offering all-around protection for your employees under one plan. Designed for businesses in the UAE, this package helps employers meet coverage needs while ensuring their teams feel valued and secure.

What’s Included?

✅ Medical Insurance: Employees get access to a large network of medical providers across the UAE and beyond. 

✅ Life Insurance: A lump-sum payout is provided to the beneficiary if an employee passes away, offering financial security to their loved ones, anywhere in the world.

✅ Accidental Death: In the event of accidental death, a separate lump-sum benefit is paid out to the family.

✅ Permanent Disability: Coverage includes a one-time payment if an employee becomes partially or totally disabled due to accident or illness.

✅ Critical Illness: If diagnosed with a major illness such as cancer, stroke, or heart attack, employees receive a direct lump-sum payment to support treatment and recovery.

Coverage for Dependents

Health Plus also allows coverage to be extended to employees’ family members, ensuring complete peace of mind.

Note: Coverage and benefits are not available in countries under international sanctions.

Workman’s Accident Shield

Accidents are unpredictable - whether they happen at work, at home, or during travel. That’s why MetLife’s Workman’s Accident Shield offers round-the-clock protection for your employees. This group accident policy ensures your team has access to immediate financial support and medical assistance when they need it most. It helps build a safer, more secure workplace and shows your employees that you’ve got their back.

This 24/7 group accident policy ensures employees are covered on and off the job. It includes —

1. Permanent disability cover
2. Medical expenses after accidents
3. Accidental death benefit
4. Repatriation support for employees who pass away abroad

Life Shield

In the UAE, employers are required to provide basic medical coverage. But many employees want more than just the minimum. That’s where MetLife’s Voluntary Benefits come in. These options allow employees to enhance their group insurance plans with additional life and family protection, without adding to the employer’s cost.

Life Shield offers essential group life insurance with added benefits —

• Double payout in case of accidental death
• Coverage for partial or full disability
• Accidental medical reimbursement
• Immediate payout for 13 major critical illnesses
• Lump-sum death benefit

Wrapping Up: MetLife Group Health Insurance

MetLife Group Health Insurance is a practical and proven solution for UAE businesses. Whether you're running a startup, SME, or large corporation, it helps protect your team, comply with DHA regulations, and offer healthcare benefits that matter. With flexible plans, strong medical networks, and optional add-ons, MetLife ensures your employees get the care they need, when they need it.

Frequently Asked Questions