Metropolitan Life Insurance Company of Hong Kong Limited and MetLife Limited (Collectively MetLife Hong Kong) are wholly-owned subsidiaries of MetLife, Inc., the No.1 life insurance company in the United States, and private companies limited by shares incorporated and registered under the applicable laws in Hong Kong. MetLife Hong Kong is the insurer authorized by the Office of the Commissioner of Insurance to carry out long term business in Hong Kong.

We offer innovative life insurance, investment-linked insurance, accident and health insurance to the residents of Hong Kong through bancassurance, brokerage networks, strategic alliance and direct, digital marketing channels.

Rating Agency Ratings*
Standard & Poor's A+

*As of January 21, 2016.

Benefits For You

  • Comprehensive protection
  • You are covered at the first sign of a health risk
  • Happy Baby Benefit
  • Adding value to your policy over time
  • Life benefit protecting your loved ones
  • Level premium for financial flexibility

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Benefits for you

  • Choice of 4 benefit levels to suit your needs
  • Daily hospital cash benefit
  • Comprehensive daily hospital cash coverage for accidents, includes Additional Accidental Daily Hospital Cash Benefit and Additional Public Conveyance Accidental Daily Hospital Cash Benefit
  • Additional Infectious Diseases Daily Hospital Cash Benefit
  • Post-surgical Medical Expense Reimbursement Benefit
  • Life protection for peace of mind
  • Waiver of Premium for continuous protection
  • Protection for your loved one at a discount

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Benefits For You

  • Various Coverage Periods for Selection
Initial Term 10 years 15 years 20 years 25 years 30 years
Issue Age
(Age last birthday)
18 – 80 18 – 80 18 – 80 18 – 75 18 – 70
Last Renewal Age
(Age last birthday)
90 85 80 75 70
Premium The premium is fixed throughout the chosen coverage period3
  • Affordable Optimal Life Protection
  • Extended Coverage with Automatic Renewal and Convertibility Guaranteed
  • Shielding Your Loved Ones against the Unexpected
  • Enhanced Protection for You
    • Accidental Total and Permanent Disability Benefit
    • Waiver of Premium Benefit
    • Optional benefits

Coverage Suited to Your Life Stage

Life Benefit
You can enjoy life protection up to the age of 100. The Plan offers two Life Benefit options to provide you with greater life coverage at a time when you have more protection needs.

Life Benefit Option 60
To cater to your greater protection needs as the breadwinner for your family, the Plan lets you enjoy life coverage of 500% of the sum assured in the unfortunate event of death of the insured person before age 60, enabling you to attain your aspirations with total peace of mind.

Life Benefit Option 70
You can choose the Life Benefit Option 70 which allows you to extend the life coverage of 500% of the sum assured to age 70.

Terminal Illness Benefit
The Plan also offers Terminal Illness Benefit, providing you with immediate support at a critical time. If the insured person is diagnosed with a terminal illness, 100% of the Life Benefit shall be paid out.

Optional Benefits
You can choose to enhance your scope of coverage by adding optional benefits. We offer a wide range of optional benefits, such as daily hospital cash, critical illness, accidental death and disability, and term life, as well as a waiver of premium.

Wealth Accumulation for Rewarding Future

The Plan offers a Guaranteed Cash Value that will accumulate throughout the policy term. You can receive it in one lump sum upon policy surrender or maturity once the insured person reaches the age of 100.

Annual Dividends
On top of your Guaranteed Cash Value, you can benefit from the non-guaranteed Annual Dividends declared on each anniversary. You may choose to withdraw them or leave them in the policy to earn additional interest.

Guaranteed Fixed Premium with Hassle-Free Application

Guaranteed Fixed Premium throughout the Premium Payment Term
The Plan offers four choices of premium payment terms (4 years, 8 years, 12 years, and 18 years) with a guaranteed fixed premium throughout the premium payment term, helping you plan your finances more easily.

Hassle-free Enrollment
No medical examination is required for the simplified underwriting process. You only need to answer a few simple underwriting questions in our hassle-free application.

Benefits for you

  • Life protection at a low cost
  • Automatic renewal and convertibility guaranteed for peace of mind
  • Securing bright future for loved ones in your preferred way
  • Multiple options to further enhance protection for you

Benefits for you

  • Up to HK$3,000 of medical expenses for injury reimbursement
  • Up to HK$500 Accidental Daily Hospital Cash Benefit for up to 90 days per accident benefit paid
  • Up to HK$10,000 for Accidental Home Nursing Care with up to 12 months benefit paid
  • Up to HK$1,000,000 lump sum cash benefit paid for Accidental Total and Permanent Disability
  • Up to HK$1,000,000 Accidental Death Benefit
  • Up to HK$100,000 Accidental Funeral and Burial/Cremation Expenses Reimbursement
  • Refund of 100% of premium paid plus HK$5,000 additional benefit paid if death occurs while policy in force
  • Refund of 90% of total premium paid at policy maturity
  • No medical examination required for you and your spouse
  • Spouse policy enjoys a 15% discount on premium when Spouse enrolls together
  • If the policy is terminated before maturity, the refund of premium is calculated as follows:
Termination occurs Premium refund calculated as the % of total premium paid
Before the end of 2nd policy yr. 0%
Upon or after the end of 2nd policy yr. 10%
Upon or after the end of 3rd policy yr. 20%
Upon or after the end of 4th policy yr. 30%
Upon or after the end of 5th policy yr. 40%
Upon or after the end of 6th policy yr. 45%
Upon or after the end of 7th policy yr. 55%
Upon or after the end of 8th policy yr. 65%
Upon or after the end of 9th policy yr. 75%
At the end of 10th policy yr. 90%

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underwriting details

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Our affiliate - Navigator Insurance Brokers Inc, based in Wilmington DE, is able to provide an SME package called 'Global Health Plus' which, for companies with 60+ employees worldwide, is ideal for providing healthcare coverage for 2–20 globally mobile employees, on assignment for more than six months.

For more Infomation contact: Ms Camy Ting, camy.ting@navigator-insurance.com

MetLife Global Health Plus Plan:

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Email: crew@navigator-insurance.com
Call: +852 2530 2530
Fax: +852 2530 2535

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong