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LifeCare

Term insurance plan for financial coverage against loss of life, unanticipated incidents and diagnosis of listed 24 dreaded diseases.

LifeCare insurance policy is designed to provide you with the necessary financial protection from an unexpected event like death or if the insured is diagnosed and proved suffering from the listed diseases. 

  • Pay for the cost of treatment & care of diagnosed disease, amount paid as soon as diagnosis confirmed;
  • Pay for recuperation aid;
  • Replace any lost income due to decreasing ability to earn;
  • Fund for a change lifestyle;
  • Helps you pay installments for your mortgage or personal loan until you are back to work.  

Overview

LifeCare Term Insurance Plan is carefully designed to cater to prospects from different walks of life with flexible policy term, competitive premiums and financial coverage against eventualities which have high incident rate in the population.

If you are aged between 18 to 60, you can buy this plan today by choosing a right policy benefit, term and premium payment mode that you are comfortable with:

  • Available Policy Term: 1, 5, 10, 15 and 20 years 
  • Premium Payment Mode: Quarterly, Semi-Annual and Annual.

LifeCare Term Insurance has the following packages for you:

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 and pre-existing health condition.

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.