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MetLife EverydayProtect offers 24/7 Worldwide Cover for when you are working or playing non professional sport.

Get the freedom to enjoy life without the worry of what might happen if you’re ill, injured or need to spend time in hospital.

£

Child Cover Added
Active Lifestyle Cover Added

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Core Cover
Broken bones
Major (arm, ankle, back, hip, mandible, leg, neck, pelvis, shoulder, wrist, skull - not including facial bones or ear bones) £1,000 £2,000 £3,000 £4,000 £5,000
Minor (ear bones, facial bones other than the mandible, excluding the nose, any other bone not listed as major) £250 £500 £750 £1,000 £1,250
Hospitalisation (per 24-hour period) as a result of accident or sickness
Hospital admission due to sickness is covered once you’ve held the policy for at least 12 months £50 £100 £150 £200 £250
Accidental permanent injury
Paralysis of limbs – total and irreversible £25,000 £50,000 £75,000 £100,000 £125,000
Blindness in both eyes – permanent and irreversible £20,000 £40,000 £60,000 £80,000 £100,000
Loss of both hands or both feet – permanent physical severance £20,000 £40,000 £60,000 £80,000 £100,000
Deafness in both ears – permanent and irreversible £7,500 £15,000 £22,500 £30,000 £37,500
Loss of use of elbow, hip, shoulder, knee, ankle or wrist £7,500 £15,000 £22,500 £30,000 £37,500
Loss of one hand or foot – permanent physical severance £7,500 £15,000 £22,500 £30,000 £37,500
Loss of thumb £7,500 £15,000 £22,500 £30,000 £37,500
Third-degree burns – covering 20% of the body’s surface £7,500 £15,000 £22,500 £30,000 £37,500
Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) £7,500 £15,000 £22,500 £30,000 £37,500
Blindness in one eye – permanent and irreversible £7,500 £15,000 £22,500 £30,000 £37,500
Loss of speech – total permanent and irreversible £7,500 £15,000 £22,500 £30,000 £37,500
Deafness in one ear – permanent and irreversible £2,500 £5,000 £7,500 £10,000 £12,500
Loss of finger (not thumb) or toe £2,500 £5,000 £7,500 £10,000 £12,500
Total permanent disablement - unable to look after yourself ever again (due to accidental injury only)
£50,000* £100,000* £150,000* £200,000* £250,000*
Accidental death
£40,000 £80,000 £120,000 £160,000 £200,000
Non-accidental death
Within 1 year Premiums refunded Premiums refunded Premiums refunded Premiums refunded Premiums refunded
Year 2 £1,000 £2,000 £3,000 £4,000 £5,000
Years 3 - 4 £1,500 £3,000 £4,500 £6,000 £7,500
Year 5 + £2,000 £4,000 £6,000 £8,000 £10,000
Child Cover
Broken bones
Major (arm, ankle, back, hip, mandible, leg, neck, pelvis, shoulder, wrist, skull - not including facial bones or ear bones) £250 £500 £750 £1,000 £1,250
Minor (ear bones, facial bones other than the mandible, excluding the nose, any other bone not listed as major) £50 £100 £150 £200 £250
Hospitalisation in the UK (per 24 hour period) as a result of accident or sickness
Hospital admission due to sickness or treatment of self-inflicted injury, is covered once the Child Cover has been held for at least 12 months £20 £40 £60 £80 £100
Accidental permanent injury
Paralysis of limbs – total and irreversible £5,000 £10,000 £15,000 £20,000 £25,000
Blindness in both eyes – permanent and irreversible £4,000 £8,000 £12,000 £16,000 £20,000
Loss of both hands or both feet – permanent physical severance £4,000 £8,000 £12,000 £16,000 £20,000
Deafness in both ears – permanent and irreversible £2,000 £4,000 £6,000 £8,000 £10,000
Loss of one hand or foot – permanent physical severance £2,000 £4,000 £6,000 £8,000 £10,000
Loss of use of elbow, hip, shoulder, knee, ankle or wrist £2,000 £4,000 £6,000 £8,000 £10,000
Loss of thumb £1,000 £2,000 £3,000 £4,000 £5,000
Deafness in one ear – permanent and irreversible £1,000 £2,000 £3,000 £4,000 £5,000
Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) £1,000 £2,000 £3,000 £4,000 £5,000
Blindness in one eye – permanent and irreversible £1,000 £2,000 £3,000 £4,000 £5,000
Loss of speech – total permanent and irreversible £1,000 £2,000 £3,000 £4,000 £5,000
Burn - referred to a specialist burns unit due to its severity, covering 5% of the body’s surface £1,000 £2,000 £3,000 £4,000 £5,000
Loss of finger (not thumb) or toe £250 £500 £750 £1,000 £1,250
Total permanent disablement - unable to look after yourself ever again (due to accidental injury only)
£5,000^ £10,000^ £15,000^ £20,000^ £25,000^
Cancer - as defined in the policy Terms & Conditions
£5,000 £10,000 £15,000 £20,000 £25,000
Accidental death
£4,000 £8,000 £12,000 £16,000 £20,000
Active Lifestyle Cover
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Dislocation (excluding fingers, thumbs and toes) £1,000 £2,000 £3,000 £4,000 £5,000
Ligament tear - complete (grade 3) tear of knee or ankle joint ligament £1,000 £2,000 £3,000 £4,000 £5,000
Ligament tear - partial tear (grade 2) of knee or ankle joint ligament £500 £1,000 £1,500 £2,000 £2,500
Tendon rupture (to Achilles, hamstring, bicep brachii (upper arm), quadriceps, or rotator cuff) £1,000 £2,000 £3,000 £4,000 £5,000
  • The benefit amounts payable for Core Cover are reduced by 50% from the policyholder’s 70th birthday.
  • * The benefit amount payable for Total Permanent Disablement will be reduced by the amount already paid in connection with the same accident that caused your total disablement.
  • ^ The Child Cover benefit amount payable for Total Permanent Disablement will be reduced by the amount already paid in connection with the same accident that caused the child’s total disablement.
  • Non-accidental death benefit is not included under Child Cover. Please see the Policy Terms and Conditions for full details.
  • Limitations to benefits - In each policy year, Active Lifestyle Cover pays benefit for: one dislocation; and one tendon rupture or grade 3 / grade 2 ligament tear.
  • Dislocations: only dislocations resulting in a radiological scan and surgical intervention or manipulation under anaesthetic are covered.
  • Ligament tears: If benefit has previously been paid for a partial (grade 2) ligament tear in a policy year, the benefit for a subsequent complete (grade 3) ligament tear in the same year will be the same as that paid for a partial (grade 2) ligament tear.
  • The Policy is provided by MetLife.
  • Please see the Policy Terms and Conditions for full details.