LifeCare

LifeCare - My Life

LifeCare - My Life provides financial coverage in case of loss of life only. This package provides adequate loss of life coverage at a minimum premium rate.

• Minimum Coverage Amount: NPR 200,000
• Maximum Coverage Amount: NPR 15,000,000
• In general, LifeCare - My Life policy does not cover suicide within two years from policy issue date, war risk, pre-existing health condition, self-inflicted injuries and HIV/AIDS.

LifeCare - Beautiful

LifeCare - Beautiful provides coverage against diagnosis of the 9 listed female-specific dreaded diseases along with loss of life. The covered dreaded diseases, apart from Loss of Life coverage, is packaged as one benefit-Female Critical illness.

Minimum Coverage Amount: NPR 200,000

Maximum Coverage Amount: NPR 5,000,000

1. Breast cancer,
2. Cervix Uteri Cancer,
3. Uterus Cancer,
4. Fallopian Tube Cancer,
5. Ovary or Vagina/Vulva Cancer,
6. Placenta cancer
7. Female Carcinoma-In-Situ
8. Systemic Lupus Erythematosus (S.L.E) with Lupus Nephritis (auto-immune disease).
9. Skin Grafting due to skin cancer or burns
10. Facial Reconstructive Surgery due to accident.(35% of the face amount)

LifeCare Brave

LifeCare Brave provides coverage against 14 dreaded diseases mentioned below along with loss of life. The covered dreaded diseases, apart from Loss of Life coverage, is packaged as one benefit-General Critical illness.

Minimum Coverage Amount: NPR 200,000

Maximum Coverage Amount: NPR 5,000,000

1. Major cancer
2. Stroke
3. First Heart Attack
4. Serious Coronary Heart Disease
5. Heart Valve Surgery
6. Primary Pulmonary Hypertension
7. End stage liver disease
8. End stage lung disease
9. Fulminant Hepatitis
10. Kidney Failure
11. Coma
12. Aplastic Anemia
13. Major Organ/Bone Marrow Transplantation.
14. Benign Brain Tumor 

In general, LifeCare - Beautiful and LifeCare - Brave policies do not cover war risk, pre-existing health condition, self-inflicted injuries and HIV/AIDS. Also, coverage commencement date for covered Critical illness benefit is 60 days from date of policy issue. Some of the covered critical illness expenses are reimbursed in percentage of sum assured. The coverage commencement date for each covered critical illness and percentage of sum assured payable in case of diagnosis is available in policy schedule and benefit plans.

Customers in need of free second medical opinion can contact MetLife Nepal office. The service can be sought by customer and for his/her dependents (children, parents). The second opinion is from renowned hospitals in India. Whatsoever, MetLife Nepal will not be responsible of the second opinion provided.

NIA Product Code: NIA/LI005/2074/075/TEP/0068