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

Stay protected from ten critical illnesses for 10 years with life insurance coverage from MetLife Bangladesh

CI ROP Super is a life insurance policy with health protection concept.

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 product that associates protection with return of premium, offering you a win-win situation no matter what happens.

Features

You are protected from ten critical illnesses for 10 years with Life Insurance Coverage. In the best case scenario you will get 100% return of your paid premiums.

  • A lump sum amount up to BDT 2,000,000 upon diagnosis of or actual undergoing of surgery for as the case may be, any of the covered 10 Critical Illnesses.
  • Benefit in case of death due to covered critical illnesses and other causes.
  • 100% premium return in case of no claim made.

Product Overview:

Benefits under Critical Illness Insurance with Return of Premium Super (CI ROP Super) work as follows for you:

    Protection Feature:

  • 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. (Coverage amount ranges from BDT 200,000 – 2,000,000.)
  • Death due to a covered critical illness: In case of death due to a covered critical illness, MetLife will pay the selected coverage amount to your beneficiary(es). (Coverage amount ranges from BDT 200,000 – 2,000,000.)
  • In case of death due to non-covered  critical illness (Life Coverage): MetLife shall pay one-tenth of coverage amount, or return the premiums paid-to-date without interest (whichever is higher) to the beneficiary(es).
     100% premium back: in the happy that you do not have to use the protection element by the end of the coverage period, you will be entitled to 100% payback of the total premiums paid throughout the term of the policy.
Premium rates per BDT 1,000 of critical illness coverage amount 

Annual premium

 Issue Age

Male

Female

18

20.42

18.71

19

20.93

19.47

20

21.60

20.52

21

22.42

21.86

22

23.28

23.29

23

24.24

24.91

24

25.23

26.57

25

26.27

28.29

26

27.34

30.00

27

28.45

31.61

28

29.60

33.16

29

30.76

34.62

30

31.95

35.97

31

33.12

37.14

32

34.30

38.11

33

35.36

38.90

34

36.37

39.53

35

37.28

39.94

36

38.05

40.11

37

38.66

40.04

38

42.29

43.02

39

46.29

46.21

40

50.63

49.58

41

55.38

53.20

42

60.55

57.07

43

66.21

61.08

44

69.55

64.29

45

72.92

67.52

46

76.32

70.79

47

79.67

74.07

48

82.94

77.30

49

86.09

80.48

50

89.04

83.55

51

92.04

86.74

52

94.77

89.88

53

97.18

92.96

54

99.25

96.18

55

100.95

99.56

To obtain semi-annual and quarterly premium, multuply annual premium by 0.52 and 0.27 respectively

Premium rates per BDT 1,000 of critical illness coverage amount 

Single premium

 

Issue Age

 

Male Female
18 61.78 56.69
19 63.45 59.13
20 65.61 62.44
21 68.29 66.7
22 71.04 71.23
23 74.15 76.37
24 77.41 81.72
25 80.86 87.26
26 84.37 92.79
27 88.1 98.07
28 91.99 103.25
29 95.96 108.17
30 100.07 112.83
31 104.2 116.96
32 108.42 120.52
33 112.38 123.67
34 116.29 126.38
35 120.02 128.54
36 123.43 130.06
37 126.48 130.88
38 138.36 140.56
39 151.41 150.89
40 165.62 161.85
41 181.1 173.62
42 197.96 186.04
43 216.36 199
44 231.72 209.2
45 247.93 219.4
46 265.09 229.65
47 283.04 239.65
48 301.74 249.42
49 321.13 258.94
50 341.13 268.09
51 363.08 277.76
52 385.62 287.09
53 408.7 296.24
54 432.38 305.73
55 456.86 315.67
I need to learn more about Critical Illness Insurance with Return of Premium Super (CI ROP Super)
Coverage Details Collapsed Expanded

Coverage Amount

Minimum BDT 200,000 and Maximum BDT 2,000,000 

Policy Term

10 Years 

Waiting Period for Critical Illness Benefit: Waiting period is 180 days since Policy Effective Date or Policy Reinstatement Date, whichever is later, during when no coverage will be provided for Critical Illnesses. Only those Critical Illnesses that are first diagnosed or for which surgery has been done after 180 days waiting period are covered by this policy. 

Reinstatement of a lapsed policy: If the Policy lapses due to nonpayment of premium, it may be reinstated within six (6) months after the due date of the premium in default provided you are in good health at the time of reinstatement.

Please note if anyone gets any Protection benefit or Return of Premium benefit the policy will terminate immediately.

Issue Age Collapsed Expanded

Anyone in good health aged between 18 years and 55 years. Premium will vary depending on the age & gender of the Insured.

Covered Critical Illness Collapsed Expanded

 1. Kidney Failure

 2. End Stage Liver Failure

 3. Stroke

 4. Cancer (excluding skin cancer)

 5. First Heart Attack

 6. Coronary Artery Surgery

 7. Serious Coronary Artery Diseases

 8. Heart Valve Surgery / Replacement

 9. Pulmonary Arterial Hypertension (primary)

10. Benign Brain Tumor

Please read the Policy Document for details of the above mentioned Critical illnesses and also to know the exceptions. Benefit under this policy would be payable if an illness meets criteria as specified in the Policy Document.

Premium Payment Options Collapsed Expanded
  • Regular Pay (premiums payable throughout the Policy term in quarterly, semi-annually, and annual mode)
  • Single Pay (premiums payable through single premium at the beginning of the Policy term).

 

Currency Collapsed Expanded

Bangladesh Taka (BDT) 

Exclusions Collapsed Expanded

Pre-existing medical conditions are excluded. Please read the Policy Document to know other applicable exclusions.

Glossary of Insurance Terms Collapsed Expanded

This PDF file provides a glossary of insurance terms and definitions that are commonly used in the insurance business. Click Here

Brochure Collapsed Expanded

The PDF provides the existing CI ROP brochure of MetLife Bangladesh. Click Here