Quote Summary

Summary

About Metlife and EverydayProtect

MetLife have been around for over 140 years. In fact, they were the first life company to pay a claim on the sinking of the Titanic!

EverydayProtect from MetLife provides cover for a wide range of accidental injuries from broken bones to those that could have a significant impact on your life. It also covers you if you have to spend time in a UK hospital. The optional cover for children and active lifestyles allow you to tailor your protection to your needs.

What is insured?

Under EverydayProtect you are insured for:

• Broken bones – caused by an accident
• Accidental permanent injuries
• Accidental total permanent disablement - unable to look after yourself ever again
• UK hospital stays due to accidents, and from 12 months you are also covered for hospital stays due to sickness
• Death from non-accidental causes

The policy offers some optional cover:

Child Cover

• Covers your children for the same events as above (except for non-accidental death)
• Covers diagnosis of cancer

Active Lifestyle Cover

• Covers the policyholder for specific dislocations, tendon ruptures or ligament tears as a result of an accident, in order to help you get back on track

Click here to return to your quotes and change the optional cover selected.

What is not insured?

The following are the most significant exclusions under the policy:

• Travel to a country where the Foreign, Commonwealth & Development Office advises against travel
• 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
• Assault or fighting
• Where consumption of alcohol or other substances was a significant factor
• Unreasonable failure to seek medical advice after symptoms have been noticed or injury has been suffered
• Carrying out military duties
• Certain activities as part of the policyholder’s occupation, as specified in the Policy Terms & Conditions
• Aerial flight (including the use of a wingsuit), other than as a passenger, cabin crew or flight crew, of a licenced airline or charter service
• Hospital stays in non-UK hospitals
• Hospital stays for optional surgery (apart from for voluntary organ donation)
• Hospital stays for sickness, or for pregnancy-related complications, during the first 12 months of your policy
• Broken bones caused by osteoporosis, brittle bone disease, or other degenerative bone disorder
• Stress fractures, bruised bones or microfractures
• A broken nose
• Mild or moderate ligament or tendon injuries
• Dislocation of the fingers, thumbs or toes

Are there any restrictions on cover?

• When you reach your 70th birthday, benefits under Core Cover, and Active Lifestyle Cover (if selected) are reduced by 50% until your 75th birthday, when the policy terminates
• The maximum number of units you can have across Accident Protection, EverydayProtect and MultiProtect policies is 5. If this is exceeded, the maximum benefit payable will be based on 5 units of cover. Overpaid premiums will be refunded.
• The maximum total benefit payable for a single insured event suffered by the policyholder is £50,000 per unit of cover. Once the maximum benefit has been paid, your policy will end.
• Hospital stays must be for at least 24 hours in order for benefit to be payable (hospital stays due to pregnancy-related complications must be at least 5 consecutive days)
• The maximum number of units an eligible child can be covered for across Accident Protection, EverydayProtect and MultiProtect policies is 10. If this is exceeded, the maximum benefit payable will be based on 10 units of cover. Overpaid premiums will be refunded.
• No cancer benefit is payable under Child Cover if the child has previously been diagnosed, or had tests or investigations, which led to the diagnosis of cancer prior to the policy start and within 90 days of the cover start date.
• Children are not eligible for non-accidental death cover, or Active Lifestyle Cover
• Active Lifestyle Cover can only be added at the start of the policy and therefore if removed, cannot be added again
• Active Lifestyle Cover covers one dislocation and/or one tendon rupture or complete (Grade 3) ligament tear in a policy year.
• Dislocations under Active Lifestyle Cover are only covered where both a radiological scan and surgical intervention under anaesthetic are carried out
• For partial (grade 2) ligament tears, 50% of the benefit will be paid.