Your COVID-19 questions answered if your insurance policy was purchased through your financial adviser.
General Policy Information
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Does MetLife Protect and MetLife Protect Super have any exclusions in relation to COVID-19?
If I contract the COVID-19 virus, can I claim on my Trauma Cover?
Not for the COVID-19 virus, as it is not one of the conditions listed for this benefit. However, if the virus results in more severe medical conditions that are covered, you meet the definition for that condition and any other applicable policy terms, then you would be eligible to make a claim under your Trauma Cover.
If I contract the COVID-19 virus, can I claim on my Income Cover?
In many circumstances, COVID-19 runs its normal course in approximately 14 days. If you are illness and symptom free after 14 days and not Partially Disabled, then you will not meet the Excess Period (waiting period) under the MetLife Protect or MetLife Protect Super policy, and a benefit would not be paid. If the virus persists past the Excess Period and you are unable to work at full capacity due to COVID-19, then you may be eligible to be paid a benefit under your Income Cover policy.
If I contract the COVID-19 virus, can I claim on my TPD Cover?
The current information available suggests most individuals who contract COVID-19 recover within 14 days and return to their normal activities. The long term health impacts or complications of COVID-19 remains unclear. If you have long term permanent health complications resulting from COVID-19 infection, then you may be eligible to make a claim under your TPD cover. If you have long term permanent health complications resulting from COVID-19 infection, then please contact us or your Adviser to discuss.
If my dependent child contracts COVID-19, is there any way for me to claim on my MetLife Protect policy while I take time off work to care for my dependent child?
Yes. Provide & Care Extras under Income Cover pays up to 50% of your monthly benefit to a maximum of $5,000 per month for up to three months if you take unpaid carers leave to look after your child aged 2 to 16, under the Income Cover - Child Illness or Injury Benefit. The benefit becomes payable after the first 30 days of unpaid carer’s leave.
Will I still be covered by my MetLife Protect and MetLife Protect Super policy if I travel internationally?
Yes. MetLife Protect and MetLife Protect Super provides worldwide insurance cover 24 hours a day. Travel will be excluded while government enforced travel bans are in place and for travel to countries rated DFAT level 3 and 4 (which was the case prior to the government enforced travel ban) once the ban is lifted. Please be aware that travel arrangements are required to be disclosed as part of any application for new or increased cover.
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I have an existing Income Protection claim with MetLife, will you still be able to honour this claim?
Yes, we will honour existing claims which continue to meet your policy terms and conditions. Our teams are all working remotely and are still here to support you throughout your claim. During these challenging and unpredictable times, our first priority is to continue providing support, responsiveness and service to our customers, including paying claims.
Is there any impact to the time it will take to review my claim?
We’re currently experiencing larger than usual volumes of claims and time frames may be longer than expected. But rest assured your dedicated claims manager we will be in contact within 10 business days of receiving your claim to guide you through the process.
Applying for new or additional cover
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If I am diagnosed with COVID-19 can I apply for life insurance?
Yes, you may apply for cover. MetLife will defer the underwriting decision for at least three months until you have received a clean bill of health from your doctor confirming you are illness and symptom free, and have no ongoing respiratory complications.
Can I apply for life insurance cover if I have visited a country or region considered a COVID-19 risk?
MetLife will defer the underwriting decision until you have received a clean bill of health from your doctor confirming you are illness and symptom free, after a minimum 14-day period of self-isolation.
If you require further information, please speak to your financial adviser.
If you don't have an adviser, we can help you find one.