The huge experience we have gathered over the years through international diversification sets us apart. At the heart of our business is an ability to respond quickly to customers’ needs, global trends and market conditions. We’re committed to providing relevant products for individuals and employing distribution channels that suit our clients in every area we operate.

This, together with our regional and global network of trusted medical providers, managed care facilities and an unwavering customer focus, is what makes us different. If you’d like to speak to one of our professional insurance consultants and see what we can do for your insurance needs, simply fill a request form here (link) and a personal adviser will call you at your convenience. 

MetLife’s acquisition of Alico is consistent with MetLife’s international growth strategy. It accelerates the company’s global growth as Alico operates in more than 50 countries and the transaction affirms MetLife’s position as a global leader. MetLife’s and Alico’s businesses are highly complementary. The combination enhances and balances MetLife’s geographic and product mix, and significantly increases MetLife’s distribution power.

Alico is now a part of MetLife, a leading global provider of insurance, annuities and employee benefit programs, serving 90 million customers in over 50 countries. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. No actions are required from MetLife’s or Alico’s customers due to this transaction. Your policies and contracts remain in full force and effect. Please be sure to keep your contact information with us up to date so we can communicate with you on a timely basis.

No. There will be no change in the benefits, terms and conditions of your policy due to this transaction. You don’t need to take any action. To assure continued coverage, all you need to do is continue to pay your premiums and otherwise comply with the terms of your current arrangement. If there is any change in the future, you will be notified about it promptly.

There are no changes to MetLife’s in-force policies and contracts due to this transaction. All policy and contract terms and conditions remain in full force and effect.

No.

Yes, Alico products will continue to be available under MetLife’s ownership.

There will be no impact on your existing policies. You can contact your agent or customer service with further questions.

There will be no immediate changes in how you pay your premiums (by whatever method). The terms of your policy will remain the same and will be serviced at the same location. If there is any change in the future, you will be notified about it promptly and with plenty of advance notice. Please keep your contact information up to date so we can communicate with you on a timely basis.

Your contact remains the same as before. If there is any change in the future, you will be notified about it promptly. If you have a change to your contact information, please update that with us.

The contact telephone numbers you currently have will remain. If there is any change in the future, you will be notified about the change promptly and with plenty of advance notice.

We offer a wide range of life, accident and health insurance products to meet practically every need you might have. We have traditional life insurance policies that pay out a lump sum to your dependants in the event of your death, life cover with an investment potential, and cover for your children. We also offer group insurance products, group term life products through a variety of channels. You’ll find comprehensive details on all that we offer in our product section and you can always talk to one of our personal advisers by filling in a request form click here.

You've already started at the right place by coming to us. You'll need to now think about exactly what you need to cover if you can't be there. Gathering some personal financial information would be the next thing to do. Will your family stay in the same home, what outgoings do you have every month that need to be met and for how long? Will you need to cover schooling fees, transport costs, additional help at home? But remember, your situation will be unique, so to give us the best chance of helping you, you can fill in a short form here (link) and one of our personal advisers will call you at your convenience, at no cost and no obligation, to discuss your needs. It's worth remembering that the earlier you make the decision to insure yourself the more affordable it can be.

The eligibility criteria for a product may vary depending on the type of policy you want to buy. To start, you can visit our product centre to look at the range of products we offer and the eligibility criteria for each. Here, you’ll get a good idea of what might be right for you and your family. You could then talk to one of our personal advisers for a more detailed plan to meet your specific requirements. The easiest way to get in touch with a personal adviser is to fill in the short form click here and let us call you at a time that’s most convenient.

This is a question that will be dependant on your own individual circumstances. Things like how many dependants you have, what payments you have to cover every month and of course, your age also makes a difference to just how much cover you’ll need. The best way to work out what’s right for you is to fill in our short form click here and request a call from one of our personal advisers. They’ll take you through a few questions that will help determine your needs now and what they might be in the future. Every discussion is confidential and there’s no obligation or charge to you. We look forward to hearing from you.

Term policy is a life insurance which pays a certain sum as specified in the contract to your beneficiaries if you, the insured, die during a specified period. Since the premiums paid are used entirely to protect you, there is no cash value on a term insurance policy.

Life insurance helps in protecting all your other priorities, like your family, your home and your income. So, life insurance is more of a necessity than a luxury. Life can be unexpected and although it’s never comfortable to think about the unpleasant things that may happen, it’s better to know that there’s some plan in place to cushion the blow. If you’d like to talk to one of our personal advisers about what sort of cover you might need, you can fill in our request form click here and they’ll be in touch at a time that suits you. They’ll be happy to answer any questions you might have.

The main purpose of life insurance is to provide financial support for anyone you might leave behind in the unfortunate event of your death. The money your insurance will provide will ensure that your family keep the home they live in, have enough money to live on and can cover costs like school fees and bills. Life insurance plans can also be a form of savings to be used for your future needs, like your child’s education, daughter’s wedding or even an added income for your retirement to help you maintain the standard of living you have built up over the years. If you’d like to know more about how a life insurance plans could suit your specific needs, talk to one of our experienced personal advisers. You can fill in a request form click here and an adviser will call you for a confidential talk at your convenience. 

You can visit our Product Section to look at the range of products we offer and the features of the different policies. Once you have decided on the product you want, or if you need help deciding, you could then talk to one of our professional advisers. The easiest way to get in touch with an adviser is to fill in the short form click here and let us call you at a time that’s most convenient.

Critical illness insurance is there to protect you and your loved ones if you are diagnosed with one of the listed 31 illnesses. Critical illness insurance provides a lump sum amount if you are diagnosed with any one of the illnesses covered by your policy. You can benefit from access to cutting-edge medical services and having the money to meet your financial commitments and to maintain your independence and lifestyle.

The illnesses covered by this plan include cancer and coronary conditions which require expensive treatment and long convalescence time. You can refer to our product section for the full listing of covered illnesses and more details on the benefits of this policy.    

This is a question that will be dependant on your own individual circumstances. Things like how many dependants you have, what payments you have to cover every month and of course your age makes a difference to just how much cover you’ll need. It’s worth remembering that any disability income protection plan will only replace a portion of your income. So the best way to work out what’s right for you is to fill in our short form click here and request a call from one of our qualified personal advisers. They’ll take you through a few questions that will help determine your needs now and what they might be in the future. Every call is confidential and there’s no obligation or charge to you. We look forward to hearing from you.

The first thing to do is check what your company policy covers you for. Quite often, this type of cover provides initial basic insurance that may not be sufficient to cover all your needs. How much and what type of cover you need will be dependent on your own individual circumstances. The best way to work out what’s right for you is to fill in our short form click here and request a call from one of our qualified personal advisers. They’ll take you through a few questions that will help you determine your needs now and what they might be in the future. Such as, if you need to cover a partner or children, for example. Every call is confidential and there’s no obligation or charge to you. We look forward to hearing from you.

Like most insurers, our policies generally don’t cover pre-existing conditions. But we do recommend that you get in touch with one of our personal advisers to discuss your individual case. Fill in a request form here click here and an adviser will call you back at your convenience.

All our policies have a worldwide coverage and so you can be confident that you’re covered whenever you travel overseas.

Our standard Group Policy provides comprehensive medical coverage. However, as with all insurance providers, we have to take into consideration your individual circumstances. If you have a pre-existing condition, a congenital anomaly or special medical needs of another sort, this may impact the cover you receive. If this is the case, your group policy will always detail the extent of cover, any specific exclusions and benefit maximums. You can always talk to one of our advisers in confidence if you are unsure about your cover. Fill in the short request form here click here and one of our experts will call you back at a time that suits you.

Of course! We make it possible for you to cover all your children who are between the ages of 6 months to 19 years. You can even add older children to your policy, up to the age of 23, if they are full-time students. To find out how our ‘family option’ might work for you, fill in a request form click here and one of our personal advisers will call you back to discuss your requirements.

Yes. We offer a wide range of products to protect you and your family either at home or when out of the country. To see which option would be best for your individual situation, get in touch with one of our personal advisers by filling in a short request form click here.

Your Group Insurance benefits are specified and agreed between your employer (as Policy Holder) and us. Your employer will be able to provide you with the details of your group policy. If you find that your group insurance doesn’t cover the situations you need, you can talk to us about an Individual policy that has the extra benefits you want. If you’d like to talk to us about what Individual cover will best compliment your Group cover, simply fill in a short request form click here and one of our personal advisers will get back to you, in confidence and at no extra cost to you.

The eligibility criteria for a product may vary depending on the type of policy you want to buy. To start, you can visit our product centre to look at the range of products we offer and the eligibility criteria for each. You’ll get a good idea of what might be right for you and your family. You could then talk to one of our personal advisers for a more detailed plan to meet your specific requirements. The easiest way to get in touch with a personal adviser is to fill in the short form here click here and let us call you at a time that’s most convenient. 

If you’re wondering about the cost of an insurance policy it’s worth thinking about what would happen if you didn’t have it. Who would provide for your family if you couldn’t work? Would the mortgage continue to be paid? Would the cost of schooling for your children be covered? There are many levels of insurance you can choose and there’s always the option of starting with what you can afford now and increasing your protection when you feel you can. Think of it like protecting your whole income with just a small portion of it. Talking to one of our professional insurance advisers will give you a clearer idea of what your needs might be. You can request a call from one of them, at a time that suits you and at no cost with this simple form click here. We’re always ready to help.

Yes we have offices and personal advisers (agents) all over Nepal and you can find the one closest to you here

Our advisers are very carefully selected for their professional expertise and their knowledge of all aspects of life insurance to meet a diverse range of customer needs. All of them constantly receive comprehensive training to keep them up to date with what we can offer and how that can benefit our clients. You can get more details on our training by clicking here.

Our user-friendly website will give you a thorough idea of what life, accident and health insurance products we have to offer. You’ll find a concise overview of every product and a further detailed explanation of exactly what the terms are and how that might benefit you. There are also scenarios which may help you decide which products suit your life situation. Then, the easiest way is to speak to one of our qualified personal adviser about the cover you need. You can fill in a short request form click here and an adviser will contact you to discuss your options further and explain the terms of the plan.

You can reduce the amount of cover you have, subject to your policy terms and conditions. If you have your policy document handy, you could refer to that. Alternatively, you can visit our ‘How can we help’ section to download the appropriate form (link to ‘How can we help’ section).

It’s easy and quick to update your details. It’s also important that you do this whenever something changes, so that your policy remains up-to-date. You can download and print a ‘change personal details’ form here (link to ‘How can we help’ section) and send it to the address listed. Don’t forget to include your policy number when you write to us.

Depending on the type of policy you own, you could pay your premiums monthly, quarterly, semi-annually or even annually. For some policies, you can make a one-off payment known as a single premium payment. You can choose the payment term that suits your situation and budget.

Yes. For your records, you will receive a deposit receipt as an acknowledgement of any payment made.

It’s a good idea to review the cover you have on a regular basis at least once a year. If things in your life are changing rapidly, such as you getting married, moving home, expanding your business etc, you may need to review more often. In fact, if you have a major change like getting married or having a baby, it’s vital that you make sure your insurance covers your new situation. The easiest way to make sure you still receive adequate cover is to talk to your MetLife Alico personal advisers. They’ll take you through a few questions that will help you determine your needs. 

You’ll find all the information on making a claim here (link to claims section). We’ve tried to make the process as simple as possible. However, as the process and the documentation required can differ for different policies, do check that you are following the right procedure for the right policy. If you have any questions about your claim or the process, please don’t hesitate to call one of our customer service representatives.

To make sure your claim is processed as quickly as possible, we do ask that you, or someone on your behalf, let us know of any claim you’re making within 10 calendar days from the date that the incident occurred.  We’ve tried to make the process as easy as possible so you can write, fax, call or email. Visit our claims section (link) for a step-by-step guide to our claims process. Please make sure you check the process relating to your particular policy type because the process and documentation required may vary.

Yes. That’s perfectly fine if you need to. Just make sure that when you file your claim, you have provided the details required for all the costs and our claims staff will ensure the correct split is achieved whilst processing your form.

A group insurance plan insures a group of people under a single insurance contract and every individual member of the group enjoys a comparatively lower premium rate than insuring one person individually.

Premium will be determined based on the age, occupation and amount of insurance of all employees in a group. Proposal with the detail of benefit and premium will be submitted after receiving details of your employees from you.

• Employees and their family would feel financially secure.
• It helps increasing loyalty of employees towards their organisation resulting in higher productivity of employees.
• It safeguards the employer from paying huge amount in the event of adverse eventuality, like death, disability, injury and illness of employees.
• Premium is lower in Group Insurance.
• It enables the organisations to plan and budget for the future accurately.

This plan is available to a group of 10 or more (for SMEs 5 or more) full time regular and salaried employees actively at work in the employer’s office in Nepal for at least 30 hours per week, under 65 years of age, in service on the policy effective date. This refers to an employee being actively at work on a full-time basis with the employer, and who is not disabled, granted a leave of absence, temporarily laid-off, or placed on part-time employment. The employer shall provide full details of employees to MetLife. Coverage shall commence on the employees subject to MetLife’s written confirmation.

In order to be eligible for Group Insurance coverage, the group must be an employer- employee group and have been formed as a formal group for a reason other than to obtain insurance.

Yes. If the insured group members are not required to contribute any part of the premium payment for the coverage whereas employer pays full premium, the group insurance plan is a non-contributory plan. If the group members must contribute some or all of the premium payment in order to be covered under the group insurance policy, then the plan is a contributory plan. For Contributory Plans, participation must be at a minimum 75% of total eligible members of the Group.

His/her coverage is terminated from the day he/she leaves the organisation. The unutilised premium is refunded or adjusted on a pro-rata basis against the premium for newly enrolled employees or the next renewal premium as per the preference of the Employer.

His/her coverage starts from his/her date of enrollment accepted by MetLife. We will charge only the pro-rated premium for the remaining period up to the renewal date or the Policy anniversary. If any unutilised premium is available, this amount can be credited towards the premium for new employees.  

Yes. This plan provides 24 hours a day and 365 days a year worldwide protection.

Coverage amount of each member can be determined in any of the following three (3) ways:

●      Flat Amount Plan: The amount of insurance is identical for all eligible employees.

●      Multiple of Earning Plan: The amount of insurance is determined by a multiple of the employees’ earning – be it 12 / 24 / 36 / 48 times of monthly gross or basic salary.

Class Plan: Amount of insurance varies according to the occupation or designation or salary level classification.

Yes. We can customise the coverage package for your organisation’s needs. However, Life and Accidental Death coverage are mandatory in order to qualify for other coverage.

You can call at our office for the assistance. Our friendly representatives will guide you on the claim process.

Call us at  +977 1 5555166 or fax us your query at  +977 1 5555173

Or even email us at service-nepal@metlife.com.np