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Critical Illness Insurance with Return of Premium Super (CI ROP Super)

Life Insurance Policy with health protection

Rapid advances in medical research and treatment of serious medical conditions increase the chances of surviving a stroke, cancer or heart attack. Costs associated with the treatment of such critical illnesses remain high. Keeping this in mind, MetLife presents a Policy that associates protection with return of Premium, offering you a win-win situation no matter what happens.

Life Insurance Coverage
Diagnosis/Surgery Benefit

Upon diagnosis of or actual undergoing of surgery for, as the case may be, any of the covered critical illnesses, MetLife will pay coverage amount selected by you, ranges from BDT 200,000 – 2,000,000.

Critical Illness Benefit
100% Premium Back

In the happy likelihood of your remaining healthy and do not have to use the protection element until end of the coverage period, you will be entitled to 100% payback of the total Premiums paid throughout the term of the Policy.

Additional Accidental Coverage
Death due to Covered Critical Illness

In case of death due to a covered critical illness, MetLife will pay the selected coverage amount to your Beneficiary(es), ranges from BDT 200,000 – 2,000,000.

Maturity Value
Death due to non Covered Critical Illness

MetLife shall pay one-tenth of coverage amount, or return the Premiums paid-to-date without interest (whichever is higher) to the Beneficiary(es).

Waiver of Premium
Name of the Covered Critical Illness

Kidney Failure, End-stage Liver Failure, Stroke, Cancer (excluding skin cancer), First Heart Attack, Coronary Artery surgery, Serious Coronary Artery Diseases, Heart Valve surgery/replacement, Pulmonary Arterial Hypertension (primary), Benign Brain Tumor.

Disclaimer:

1.      This Policy is underwritten by American Life Insurance Company (‘MetLife’) and is always subject to the terms and conditions described in the Policy. The information contained in this page is intended only for general understanding of the customers. The terms, conditions and exclusions are included in the contract of insurance. For any discrepancies between the information contained herein and contract of insurance, the later shall prevail.

2.      If any discrepancies are found between Bangla and English version of this page, English version shall be considered as correct.

3.      This Policy is not available in the United States, or offered to U.S. persons; for purposes of this statement, a U.S. person is a citizen or resident of United States (including a U.S. permanent resident residing outside the U.S.), U.S. partnership and any trust that is controlled by one or more U.S. persons and is subject to the supervision of a U.S. Court.

4.      The term “Rider” wherever used herein shall mean and include any supplementary contract(s) attached with the basic Policy. The Rider is not a standalone product and it requires a basic Policy (the information/list of eligible basic Policy will be available to MetLife Financial Associate(s) and the required basic Policy(ies) shall be determined by MetLife) to become operative. The Rider (if any) attached with the basic Policy, will be automatically terminated on the termination and/or expiry date of the Rider or at the end of the Premium payment term, whichever is earlier.