MetLife Accident & Illness Protection

At Monster Mortgages, we help clients across the UK access flexible accident and illness protection from MetLife — one of the world’s leading insurance providers.

MetLife’s accident and hospitalisation products are designed to provide financial support when unexpected injuries, hospital stays or serious health events affect everyday life. 

Many MetLife protection products are commonly arranged through authorised advisers and brokers like ourselves, helping ensure customers receive advice tailored to their personal circumstances

MetLife focuses on simple, affordable protection that can help provide peace of mind for individuals and families.

Benefits can include:

• Cover for accidental injuries 
• Hospitalisation support 
• Family protection options 
• Fixed monthly premiums on selected products 
• No medical questions on some policies 
• UK and selected European cover 
• Optional child protection 
• Financial support during recovery periods 

MetLife products are designed to support everyday life — not just major critical illnesses. 

Protection policies can be confusing, especially when comparing accident cover, income protection, critical illness cover and family protection options.

At Monster Mortgages, we help you:

• Understand exactly what is covered 
• Compare protection options 
• Choose cover suited to your budget 
• Avoid paying for unnecessary policies 
• Ensure your protection fits alongside your mortgage and finances 

We provide straightforward, personalised advice without confusing jargon.

 EverydayProtect at a glance Why is EverydayProtect right for me?  

EverydayProtect offers affordable accident and hospitalisation cover designed to help with life’s unexpected events.

 Flexible cover when you need it EverydayProtect provides financial support for  broken bones, hospital stays, and a range of  accidental injuries. You can claim for multiple  injuries and your policy will continue to protect  you in the future. 

Getting you back on your feet  

You will receive UK hospital cover for every   24 hours you spend as an in-patient as the  result of an accident. Once you’ve held your  policy for at least 12 months, you can also claim  for time spent in hospital due to sickness.

 Peace of mind  

Accidental death and non-accidental death cover, to provide peace of mind if the worst  happens.  

When you have simple and affordable protection cover from MetLife, you can feel confident to live the life you love should life throw you off track through accident or illness.   

 Great value  

Cover starts from as little as £10 up to £50 per month, depending on the level of protection  you choose. Plus, the cost of your cover won’t  change when you make a claim or as you get older. 

We will help you keep going, allowing you to pay your way, do your bit and take care of your family, career and lifestyle. 

 Cover, whatever your circumstances 

We won’t ask you any health questions when you take out the policy. If you are a UK resident, you can take out this policy from 18 years old up to your 65th birthday and can continue cover up until your 75th birthday. 

Building the  protection you need is  as easy as 1, 2, 3 

1 - Choose your level of protection

MetLife EverydayProtect is an affordable protection plan that can be tailored to suit your needs.  

There are 5 levels of cover, choose between 1 and 5 units – the more units you buy the higher your benefits will be and your monthly premium will be higher too.  

 Broken bones cover is up to  £5,000 per broken  bone, even if you  break more than one 

Accidental death should the  worst happen, EverydayProtect  provides cover for up to £200,000 

Total permanent disablement - unable to look  after yourself  ever again, cover  up to  £250,000

 Accidental permanent injuries covers a wide  range of life changing injuries    up to £125,000 

UK hospital stays cover is up to £250 per  24-hour period you’re admitted to hospital due to an accident or sickness (sickness is covered once you have held your policy for at  least 12 months)

Non-accidental death up to £10,000 if  you die as a result of natural causes,  or your premiums returned if your  death is within the first year of your  policy starting 

 Step 2 – Optional cover EverydayProtect

provides two additional cover options from just £1 per month.  

Child Cover - from £2 per  month offers a wide range of benefits to help support you through difficult times, including if your child is diagnosed with cancer, and provides protection for children from birth until their 23rd birthday. Children do not need to live with the policyholder.

 Active Lifestyle Cover - from £1 per month provides additional cover in the event of you sustaining an accidental injury, which results in a dislocation and/or either a tendon rupture or ligament tear. We’ll help you get back on track, so that you can keep enjoying the activities you love. 

Mortgage repayment cover 

that offers more

Get peace of mind with an affordable mortgage protection policy 

 A mortgage protection policy ensures your mortgage repayments are covered if you can't work due to an accident or illness. With MortgageSafe, you can rest easy knowing your home is protected even during tough times.  

Accident-only cover that provides 12 months of mortgage repayment with no underwriting 

Accident and illness cover that provides 12 months of mortgage repayments with minimal underwriting (just 5 health questions)

Accident and illness cover that provides 24 months of mortgage repayments with minimal underwriting (just 5 health questions)

Core cover has no underwriting, while Essential cover asks a few simplified medical questions, and most cases will be approved immediately.  

MortgageSafe covers your monthly repayments if you are unable to work, with only a 4-week wait period. It can cover up to £1,500 per month for up to two years.  

This provides additional support if your children are unwell and you need to spend time out of work looking after them. 

MortgageSafe is designed to give you the confidence and security you need to protect your home. Our policies are flexible, affordable, and tailored to meet your needs.   

• A four week wait period. There's a four week wait between your initial claim and your first payout, so you won't have to worry about long delays before receiving the financial support you need. 
• Unlimited claims. You can make as many claims as necessary, ensuring that you are always protected, no matter how many times you face unexpected challenges.
• Up to 110% of the value of your monthly repayments. We cover up to 110% of your monthly mortgage repayments, up to a maximum of £1,500, giving you extra financial support to manage additional expenses that may arise. 
• Backdated to day 1. Your coverage is backdated to the first day of your claim, so you’re covered right from the start. 
• Won’t impact Universal Credit. Payouts from our MortgageSafe cover won't affect your eligibility for Universal Credit, so you can receive the support you need without any extra worries. 
• No compulsory GP reports. We won’t check your eligibility based on compulsory GP reports, accident reports, or seek any other type of medical evidence. 

  ChildShield offers  flexible, affordable  peace of mind for  modern family life 

It’s been designed to protect children from birth, right up to the age of 22.  It’s a standalone product that can complement existing policies or be taken out on its own. And because it’s unique, it can provide protection no other policy can. It’s there to simply and effectively protect your children when the unexpected happens – such as accidents and some serious conditions. And as a parent, it gives you the peace of mind that you can be there when it matters – the moment they need you.

 Despite our best efforts,   accidents happen.  

 Whether it’s in the home or garden, in the park, whilst out and about, or playing sport - it’s just part of life. And while we hate the thought of illnesses affecting  our children, the truth is these can occur at any time, too. To the right, you’ll see the accidents and illnesses that  ChildShield can protect your children for. What’s more, there’s no limit on the number of children covered or claims you can make under the same, single policy. 

 Choose from two levels of cover:        ChildShield Standard - £6 per month        ChildShield Plus - £11 per month 

The coverage is the same, except ChildShield Plus pays double the benefit, at less than twice the cost 

 Plan for the unexpected - None of us like to think about our children being ill, needing emotional support or having accidents at any age. But it’s important we plan for those unexpected moments.

 Boost your family’s  wellbeing -  ChildShield doesn’t just provide 24/7 protection for those unexpected moments, but also gives you and your children access to our Wellbeing Support Centre provided by Health Assured, the UK and Ireland’s largest  wellbeing support provider.  Benefit from counsellors with ‘in the moment’  support, legal advisers, and nurses – all of  whom can help navigate and support with life’s challenges. This too is available all year round, 24 hours a day.   

 Enjoy virtual GP access -  You and your family will also get access to our virtual GP appointment service, GP24, provided by HealthHero. GP24 allows you to book an  appointment with registered GPs 24  hours a day, every day of the year,  anywhere in the world, for no extra cost. 

Every claim matters, every time.      

 ChildShield has been designed to  provide valuable protection for your children if they have an accident or illness, and peace of mind for you. That’s why there is no medical underwriting required. Applying for cover is straightforward, and most policies will be active immediately, including access to  the additional services including the  Wellbeing Hub and GP24. At MetLife UK, we pride ourselves on how quickly we pay out to customers. We typically pay valid claims within five working days, leaving you to focus on looking after your children.