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Critical Illness Insurance with Return of Premium Super (CIROP Super)

Stay protected from 10 Critical Illnesses for 10 years with life coverage.

CI ROP Super

Unique Value to You:

You are protected from 10 critical illnesses for 10 years with life 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
  • Benefit in case of Death due to 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 Features:

  • 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 Tk. 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 Coverage Amount selected by you, ranges from Tk. 200,000 – 2,000,000 to the Beneficiary (ies).
  • Death not due to a Covered Critical Illness, that is, Life Coverage: In case of death other than a covered Critical Illness, MetLife shall pay 1/10 (One-tenth) of Coverage Amount or return the premiums paid to date without interest, whichever is higher, to the Beneficiary (ies). 

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.

Annual Premium Rates per Tk. 1,000 of Critical Illness Coverage Amount

 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, multiply Annual Premium by 0.52 and 0.27 respectively

                         

under the section ‘To obtain Semi-Annual and Quarterly Premium, multiply Annual Premium by 0.52 and 0.27 respectively.

Single Premium Rates per Tk. 1,000 of Critical Illness Coverage Amount

 Issue Age Male Female
18 61.78 56.69
19 63.45 59.13
20 65.61 62.44
21 68.29 66.70
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 88.10 98.07
28 91.99 103.25
29 95.96 108.17
30 100.07 112.83
31 104.20 116.96
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
41 181.10 173.62
42 197.96 186.04
43 216.36 199.00
44 231.72 209.20
45 247.93 219.40
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
53 408.70 296.24
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

Coverage Amount

Minimum Tk. 200,000 and Maximum Tk. 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

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

 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
  • 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

Bangladesh Taka (BDT) 

Exclusions

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

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Terms & conditions

By clicking the Submit button, you agree that we* may contact you at the number/email you’ve provided, possibly using automated technology or prerecorded voice or direct marketing emails, to discuss about our products, special offers and services. If you don’t want to give this permission, you can still get a quote or make a purchase decision by calling us directly at 16344.

*MetLife or third party acting on MetLife’s behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.
Error!
An error occured while submitting your information.

Disclaimers:

1. This plan is underwritten by American Life Insurance Company (MetLife) and is subject at all times to the terms and conditions of the Plan Policy issued by MetLife. The information contained here is intended for general consumer understanding only. Detailed terms, conditions and exclusions are included in the Policy Document. In case of discrepancy between this web contents and the policy document, the latter shall prevail.

 2. The product 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.

3. Cash Surrender Value: The policy acquires cash surrender value after premiums have been paid for 2 years. At any time after the Policy first acquires a Cash Value, by filing a written notice satisfactory to the Company, the Insured can surrender the policy and receive the Cash Surrender Value, less any indebtedness. The Cash Surrender Value of the policy is based on the Tables of Cash Values as determined by the Company from time to time. Partial surrenders are not allowed. Please note that, if you surrender the policy before the maturity date, cash surrender value may be less than the premiums paid. There will be no cash surrender value during the first two years of the policy.

Note: To know more about this Product, please contact our Financial Associate and read the Product Brochure carefully.