Accident protection, also known as accident insurance, is insurance that offers coverage for individuals who have met with an accident that resulted in injury or death. This insurance policy typically includes compensation for medical expenses, loss of income, dismemberment, loss of sight, and death.

Accident insurance is considered as a supplementary form of insurance that serves as a  financial safety net in the event of an injury or loss of life. Its purpose is to cover expenses that may not be covered by your primary medical insurance.Yes, having an accident protection insurance in the UK can certainly be a ‘life saver’ when having to deal with unforeseen expenses.

With MultiProtect, you can lead the life you love without worry. This service offers continuous global financial support, extending to a variety of injuries, including those that could have a significant negative impact on your life.

Core Cover Benefits

MetLife Multi Protect provides flexible and affordable protection for a range of everyday accidents, ensuring peace of mind for you and your family — whether at home or abroad. Here's what's included as part of the Core Cover:

Broken Bones Cover

Get up to £4,000 per broken bone. Whether it's a wrist, leg, or hip — you’ll be supported through recovery, even if you break more than one bone.

Hospital Stay Cover

Receive up to £250 per 24 hours spent in a UK or select European hospital* due to an accident. Sickness cover is also included after 12 months of holding your policy.

Permanent Injury Protection

If life-changing injuries occur, such as:

• Paralysis, blindness, or deafness

• Loss of limbs or major organs
  You can receive up to £250,000 depending on the severity and number of protection units chosen.

Total Permanent Disablement

Should you be permanently unable to care for yourself due to injury, MetLife provides up to £250,000 in financial support.

Accidental Death Cover

Should the worst happen, your loved ones could receive up to £200,000.

Non-Accidental Death Cover

If death occurs due to natural causes:

• Within year 1: premiums refunded

• After year 1: payout increases up to £20,000 from year 5 onward

Optional Cover

Multi Protect also provides three additional cover options starting from just £1 per month.

Child Cover

Child Cover presents an array of inclusions such as broken bones, hospitalization, and even coverage for children's cancer. This safeguard extends to children from 6 months to 18 years of age, or up to 23 years (if the child is pursuing full-time education), their place of residence does not matter. It is not mandatory for children to reside with the policyholder.

Active Lifestyle

The Active Lifestyle cover offers extra protection for injuries like ligament tears, tendon ruptures,, and dislocations. The Active Lifestyle cover assures you to continue pursuing the physical activities you enjoy without worrying about expensive hospital stays in case of an injury.

Healthcare Cover

Healthcare Cover is for those who may be at potential risk of contracting illnesses. This cover is an ideal option for those working in the healthcare sector.