Making a claim for your insurance can be distressing at a time when you have a lot on your mind. So we’ve tried to make this process as easy as possible.
Below are check-lists providing the processes and documents required for each claim type. Just select the type of claim you need to make below to find which documents are required.
| 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 |
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
Detailed medical report
Signed by you and treating physician and only if disability is to surpass 6 weeks
Employer’s Statement Claim Form (CL-3) English / Arabic
Submitted at the end of the disability period
Copy of all relevant X-Rays and lab test reports
Should reflect you name and date they were taken
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
| 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 |
| 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 |
| 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 |
| 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 |
*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.
Claim Forms (Claimant and Physician Statements)
Fully completed and signed by beneficiary(ies) and the physician/surgeon
Notification of loss of life of the policyholder
Full name of the insured (including father’s name)
Date of passing
Any information relevant to the claim (hospital name, doctors involved, etc…)
Copy of medical report
Detailing the reason and date of loss of life
Passport copy of the policy holder
Passport or ID copies of the beneficiary (ies)
Original Death Certificate
Original Policy Documents
T&Cs state that the policy contract terminates and must be returned after the policy holder’s loss of life
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
*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.
Claim Forms (Claimant and Physician Statements)
Fully completed and signed by beneficiary(ies) and the physician/surgeon
Notification of loss of life of the policyholder
Full name of the insured (including father’s name)
Date of passing
Any information relevant to the claim (hospital name, doctors involved, etc…)
Copy of medical report
Detailing the reason and date of loss of life
Passport copy of the policy holder
Passport or ID copies of the beneficiary (ies)
Original Death Certificate
Original Policy Documents
T&Cs state that the policy contract terminates and must be returned after the policy holder’s loss of life
Exact addresses and contact details of all beneficiaries
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
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
If applicable
Further supporting documents
If this applies, the beneficiary (ies) will be contacted
| 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 |
Claim Forms (Claimant and Physician Statements)
Fully completed and signed by beneficiary(ies) and the physician/surgeon
Copy of medical report
Detailing the nature and date of loss of life
Original Death Certificate
Passport copy of the policy holder
Passport or ID copies of the beneficiary (ies)
Original bills and receipts
Related to this claim
Fully completed and signed by you
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
Itemized list, original bills and receipts for the emergency purchases of meals, refreshments, hotel expenses and airport transfer expenses
Copy of your airline ticket
Showing dates of entry and exit
If applicable
Copy of Credit Card
If it has Travel Insurance Benefit and was used for this trip
Fully completed and signed by you
Property irregularity report
Provided by Airline / Airport authorities
Original bills and receipts for the emergency purchases and necessary replacement clothing and toiletries
Copies of your tag numbers
Copy of your airline ticket
Showing dates of entry and exit
If applicable
Copy of Credit Card
If it has Travel Insurance Benefit and was used for this trip
Fully completed and signed by you
Property irregularity report
Provided by Airline / Airport authorities
Original bills and receipts for the emergency purchases and necessary replacement clothing and toiletries
Copies of your tag numbers
Copy of your airline ticket
Showing dates of entry and exit
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
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
Forms to fill: Medical Reimbursement Claim Form (English) / (Arabic)
Fully completed and signed by you and your treating physician
Copy of medical report
Detailing the nature and date of the onset ailment / accident
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
Forms to fill: Medical Reimbursement Claim Form (English) / (Arabic)
Fully completed and signed by you and your treating physician
Copy of medical report
Detailing the nature and date of the onset ailment / accident
Original pharmacy bills and receipts
Bills and Receipts of usual /customary and reasonable medical expenses incurred along with a Doctor’s prescription
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
Forms to fill: Medical Reimbursement Claim Form (English) / (Arabic)
Part A fully completed and signed by you
Details of damaged
Including any supporting documents
Related to the claim
For Group Claims:
(Medical cards & any insurance held through the employer)
Login to eServices desktop or mobile app to submit your claim.
For Individual Claims:
Original documents to be sent to:
Claims Department
PO Box 371916,
Dubai, UAE
While filling your claim form, you may choose how you would like to receive the reimbursed amount:
You may request the cheque to be delivered directly to you or picked up from one of our offices.
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.
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.
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.
If you have any questions or would like more information, please contact us!
800 MetLife
(800 638 5433)
Sundays to Thursdays
8:30am to 7:00pm