MetLife EverydayProtect - accident protection for everyday life

What EverydayProtect is - in 60 seconds

EverydayProtect is a stand-alone accident protection policy that helps you cope financially when something unexpected turns your day upside down. It pays a one-off, pre-agreed cash sum straight into your bank account if, as the result of an accident, you break a bone, suffer a permanent injury, are admitted to a UK hospital or die. After 12 months it also covers hospital stays caused by illness, and from day one it provides a benefit on death from natural causes. You can spend the money on whatever you need: topping up lost wages, travel to treatment, childcare or adapting your home.

How to build your cover - 3 simple steps

Every EverydayProtect policy is made up of the same three elements. You start with the core cover, add options if you need them, and choose a level of cover from 1 to 5 units. The number of units on any option is always the same as on Core Cover.

How much MetLife really pays out

Accident cover only makes sense if the insurer actually pays. MetLife publishes claims statistics for its UK accident and illness policies - the figures below are for 2025.

Source: MetLife protection portfolio, 1 January to 31 December 2025. Figures based on UK working days.

Every Core Cover benefit - the full table

Core Cover is in every policy. For each of the events below (the insured events) MetLife pays a pre-agreed amount that depends on your number of units. The amounts do not depend on your actual costs or on whether you have any other insurance.

Insured event	1 unit£11 / month	2 units£22 / month	3 units£33 / month	4 units£44 / month	5 units£55 / month
Broken bones caused by an accident
Major broken bonearm, ankle, back, hip, leg, jaw, neck, pelvis, shoulder, wrist, skull (excluding facial bones and the ear)	£1,000	£2,000	£3,000	£4,000	£5,000
Minor broken bonebones of the ear, facial bones other than the jaw (nose excluded), any other bone including ribs	£250	£500	£750	£1,000	£1,250
UK hospital stay (for each full 24 hours)
Hospital stay as an in-patientdue to an accident from day 1; due to illness or pregnancy complications after 12 months of the policy	£50	£100	£150	£200	£250
Permanent injuries caused by an accident
Paralysis of limbstotal and irreversible, at least two limbs	£25,000	£50,000	£75,000	£100,000	£125,000
Blindness in both eyespermanent and irreversible	£20,000	£40,000	£60,000	£80,000	£100,000
Loss of both hands or both feetpermanent physical severance	£20,000	£40,000	£60,000	£80,000	£100,000
Deafness in both earspermanent and irreversible	£7,500	£15,000	£22,500	£30,000	£37,500
Loss of use of a jointelbow, hip, shoulder, knee, ankle or wrist	£7,500	£15,000	£22,500	£30,000	£37,500
Loss of one hand or footpermanent physical severance	£7,500	£15,000	£22,500	£30,000	£37,500
Loss of a thumb	£7,500	£15,000	£22,500	£30,000	£37,500
Third-degree burnscovering 20% of the body's surface area	£7,500	£15,000	£22,500	£30,000	£37,500
Loss of a major organkidney, spleen, lung, pancreas, bladder or stomach	£7,500	£15,000	£22,500	£30,000	£37,500
Blindness in one eyepermanent and irreversible	£7,500	£15,000	£22,500	£30,000	£37,500
Loss of speechtotal, permanent and irreversible	£7,500	£15,000	£22,500	£30,000	£37,500
Deafness in one earpermanent and irreversible	£2,500	£5,000	£7,500	£10,000	£12,500
Loss of a finger (other than a thumb) or a toe	£2,500	£5,000	£7,500	£10,000	£12,500
Total permanent disablement (accident only)
Total Permanent Disablementpermanently unable to perform at least 3 of 6 daily activities; amount reduced by any payouts for the same accident; the policy ends after payment	£50,000	£100,000	£150,000	£200,000	£250,000
Death
Accidental deathwithin 12 months of the accident and directly caused by it	£40,000	£80,000	£120,000	£160,000	£200,000
Death from natural causes - in policy year 1	premiums refunded	premiums refunded	premiums refunded	premiums refunded	premiums refunded
Death from natural causes - in policy year 2	£1,000	£2,000	£3,000	£4,000	£5,000
Death from natural causes - in years 3 and 4	£1,500	£3,000	£4,500	£6,000	£7,500
Death from natural causes - from year 5	£2,000	£4,000	£6,000	£8,000	£10,000

On a phone we show the columns for 1 and 5 units. Payouts for 2, 3 and 4 units are 2x, 3x and 4x the 1-unit amount.

Broken bones - the detail

The benefit is paid when, as the result of an accident (a sudden, unexpected event caused by an external, visible cause), you break a major or minor bone. The fracture must be confirmed by imaging (for example an X-ray) or by a doctor's clinical diagnosis after a physical examination. Each bone broken in one accident earns a separate payout, but several fractures of the same bone count as one claim.

What this section does not cover

• A broken nose - never covered.
• Fractures caused by osteoporosis, brittle bones or any other degenerative bone disease.
• Bone bruises and hairline cracks (including stress fractures).
• Non-accidental fractures and bones deliberately cut during surgery.
• Fractures resulting from self-harm or attempted suicide by the policyholder.

UK hospital stays - the detail

The policy pays a benefit for each continuous 24 hours you spend in a UK hospital as an in-patient. A hospital is a registered establishment with beds for patients and diagnostic, surgical and treatment facilities; hospices and hospital rehabilitation units also count where the admission is for treatment that is typically carried out in hospital. The minimum claim is 1 day.

What this section does not cover

• Days in hospital due to illness or pregnancy complications in the first 12 months of the policy.
• Stays that began before the policy start date, for any reason.
• Hospitals outside the UK.
• Admissions to long-term care, geriatric or pre-convalescent units, convalescent or rehabilitation facilities that do not meet the definition of a hospital, and addiction treatment centres.
• Stays for elective surgery (other than voluntary organ donation) and elective cosmetic surgery.

Permanent injuries and total disablement - definitions

MetLife will pay a benefit if, during the policy, you have an accident that causes one of the injuries below, the injury meets the definition within 12 months of the accident (24 months for total permanent disablement), and MetLife's Chief Medical Officer confirms it. The injury must be permanent and irreversible: total loss of a body part or of its function that cannot be materially improved by available treatment or surgery. Amounts below are per unit; only MetLife's own policy definitions are binding.

What this section does not cover

• Non-accidental disability, including disability caused by illness or a congenital condition.
• Injuries from accidents that happened before the policy start date.
• All the general exclusions listed in the exclusions section.

Accidental death and death from natural causes

EverydayProtect includes two death benefits. They are a useful addition, but they do not replace full life insurance - the amounts are far lower.

• Death by suicide or deliberate self-harm.
• Death resulting from an unreasonable failure to seek or follow medical advice after noticing symptoms or suffering an injury.

Option: Child Cover - protecting your children

For an extra £2 a month or more (£2 for each unit of Core Cover) you cover all of your children: biological, adopted, under your legal guardianship and step-children - from birth until their 23rd birthday, provided they are UK residents. The children do not have to live with you. You can add the option at any time if you have at least one child under 18, and remove it at any time.

Insured event (child)	1 unit+£2 / month	2 units+£4 / month	3 units+£6 / month	4 units+£8 / month	5 units+£10 / month
Broken bones
Major broken bonethe same list as in Core Cover	£250	£500	£750	£1,000	£1,250
Minor broken bone	£50	£100	£150	£200	£250
UK hospital stay (for each full 24 hours)
Hospital stayaccident from day 1; illness and treatment for self-harm after 12 months	£20	£40	£60	£80	£100
Permanent injuries caused by an accident
Paralysis of limbsamount reduced by any payouts for the same accident	£5,000	£10,000	£15,000	£20,000	£25,000
Blindness in both eyes	£4,000	£8,000	£12,000	£16,000	£20,000
Loss of both hands or both feet	£4,000	£8,000	£12,000	£16,000	£20,000
Deafness in both ears	£2,000	£4,000	£6,000	£8,000	£10,000
Loss of one hand or foot	£2,000	£4,000	£6,000	£8,000	£10,000
Loss of use of a jointelbow, hip, shoulder, knee, ankle, wrist	£2,000	£4,000	£6,000	£8,000	£10,000
Loss of a thumb	£1,000	£2,000	£3,000	£4,000	£5,000
Deafness in one ear	£1,000	£2,000	£3,000	£4,000	£5,000
Loss of a major organ	£1,000	£2,000	£3,000	£4,000	£5,000
Blindness in one eye	£1,000	£2,000	£3,000	£4,000	£5,000
Loss of speech	£1,000	£2,000	£3,000	£4,000	£5,000
Burnsreferred to a specialist burns unit, at least 5% of body surface area	£1,000	£2,000	£3,000	£4,000	£5,000
Loss of a finger (other than a thumb) or a toe	£250	£500	£750	£1,000	£1,250
Serious events
Total permanent disablementaccident only; amount reduced by any payouts for the same accident	£5,000	£10,000	£15,000	£20,000	£25,000
Cancer diagnosisas defined below; a separate event, independent of any hospital stay	£5,000	£10,000	£15,000	£20,000	£25,000
Accidental death of a childwithin 12 months of the accident	£4,000	£8,000	£12,000	£16,000	£20,000

On a phone we show the columns for 1 and 5 units. Payouts for 2, 3 and 4 units are 2x, 3x and 4x the 1-unit amount.

Special rules for Child Cover

• Maximum payout for a single event: £5,000 per unit (£25,000 with 5 units) - for one accident, one continuous hospital stay or one cancer diagnosis. A cancer diagnosis is a separate event from a hospital stay, so the two benefits can add up.
• Child Cover claims do not end the policy - after a payout up to the limit, cover continues.
• Broken bones and hospital stays resulting from a child's self-harm or attempted suicide are covered 12 months after Child Cover is added. Further days in hospital for treatment of the psychological cause are not paid.
• The 12-month waiting period for illness hospital stays can be waived when a child is admitted for cancer treatment linked to a valid Child Cover - Cancer claim.
• Burns in a child have a gentler definition than for an adult: a referral to a specialist burns unit and confirmation of at least 5% of body surface area is enough.
• Child Cover amounts are not reduced after your 70th birthday.
• You must tell MetLife when all of your children stop qualifying (for example when they turn 23); the option is then removed and the premium reduced.
• The death of a child from any cause other than an accident (including suicide), and Active Lifestyle Cover for children, are not covered.

Option: Active Lifestyle Cover - for active people

Do you play football, run, train in martial arts or ski? For an extra £2 a month or more the policy also pays for the typical sports injuries that are not fractures: dislocations and ruptured tendons and ligaments. The option can be added only when you take out the policy - not later.

Accidental injury	1 unit+£2 / month	2 units+£4 / month	3 units+£6 / month	4 units+£8 / month	5 units+£10 / month
Dislocationexcluding fingers, thumbs and toes; reduced surgically or manually in hospital	£1,000	£2,000	£3,000	£4,000	£5,000
Complete ligament rupture (grade 3)a ligament of the knee or ankle joint, confirmed by imaging	£1,000	£2,000	£3,000	£4,000	£5,000
Partial ligament tear (grade 2)a ligament of the knee or ankle joint, confirmed by imaging	£500	£1,000	£1,500	£2,000	£2,500
Tendon ruptureAchilles, hamstring, biceps, quadriceps or rotator cuff; confirmed by imaging	£1,000	£2,000	£3,000	£4,000	£5,000

On a phone we show the columns for 1 and 5 units. Payouts for 2, 3 and 4 units are 2x, 3x and 4x the 1-unit amount.

Limits per policy year

• In each policy year (12 months from the start date or anniversary) MetLife pays at most one dislocation benefit and one tendon or ligament rupture benefit.
• If a partial tear (grade 2) benefit has already been paid in a given year, a subsequent complete rupture (grade 3) or tendon rupture in the same year is paid at 50%.
• A dislocation must be treated in hospital (accident and emergency): surgical or manual reduction. A type III acromioclavicular joint (ACJ) separation treated surgically counts as a dislocation; types I and II, and type III without surgery, are not covered.
• Benefits reduce by 50% from your 70th birthday. Children are not covered by this option.
• The option can be removed at any time, but once removed it cannot be added back. If a policy with Active Lifestyle Cover is cancelled and you buy a new one, the option will not apply for 12 months from the cancellation.

• Dislocations of fingers, thumbs and toes.
• Mild and moderate injuries to ligaments and tendons (grade 1, strains, sprains without a tear).
• Ruptures of tendons other than those listed in the table.

Services included in the price - for you and your family

Every EverydayProtect policy gives you and your family free, unlimited access to three health services from the policy start date. You will find the access code in the myMetLife portal. For many customers the virtual GP alone is worth more than the premium.

What it costs - price list and total cost

The premium is simple: £11 a month for each unit of Core Cover, plus £2 per unit for each option you choose. There are no loadings for age, occupation, smoking or medical history. Below is the full monthly cost and the total premiums over 5, 10 and 20 years, based on MetLife's illustration.

Units	Core only5 / 10 / 20 years	Core + Child5 / 10 / 20 years	Core + both options5 / 10 / 20 years
1 £11 + £2 + £2	£660 / £1,320 / £2,640	£780 / £1,560 / £3,120	£900 / £1,800 / £3,600
2 £22 + £4 + £4	£1,320 / £2,640 / £5,280	£1,560 / £3,120 / £6,240	£1,800 / £3,600 / £7,200
3 £33 + £6 + £6	£1,980 / £3,960 / £7,920	£2,340 / £4,680 / £9,360	£2,700 / £5,400 / £10,800
4 £44 + £8 + £8	£2,640 / £5,280 / £10,560	£3,120 / £6,240 / £12,480	£3,600 / £7,200 / £14,400
5 £55 + £10 + £10	£3,300 / £6,600 / £13,200	£3,900 / £7,800 / £15,600	£4,500 / £9,000 / £18,000

Total premiums assume the premium stays unchanged, per the illustration in the MetLife Policy Summary (COMP 2856.7, June 2026). You will receive a personalised illustration when you apply.

Payment and changes

• Payment: monthly in advance, by Direct Debit from a UK bank account, in pounds sterling; you choose the payment date.
• Missed premium: you have 30 days from your chosen payment date. If it is not paid within that time the policy is cancelled. If you claim within those 30 days, the arrears are deducted from the payout; events after the 30 days are no longer covered.
• Premium changes by MetLife: no more than once every 5 years, only for the reasons set out in the terms (claims experience, costs, legislation, investment returns) and never because of your individual circumstances. You get 30 days' notice of any change to the terms and the right to cancel.
• Changing your cover: the number of units cannot be increased on an existing policy (you can buy an additional one, up to 5 units in total), but it can be reduced, for example if money is tight. Child Cover and Active Lifestyle Cover can be removed at any time, with a corresponding reduction in premium.
• Cancelling: at any time, by phone or in writing. Cancelling within 30 days of receiving your documents = a full refund of premiums (provided there has been no claim); after 30 days premiums are not refunded.
• When the policy ends: the earliest of: you turn 75, you receive a total permanent disablement payout, total payouts for a single event reach the maximum, you stop being a UK resident, you die, you stop paying premiums, or you cancel.

Pros and cons - an honest summary

As independent advisers we do not sell a single product - we match the solution to your situation. Here is what genuinely works in your favour with EverydayProtect, and where the policy has its limits.

Who EverydayProtect makes most sense for

MetLife defines the product's target market itself. In our experience, EverydayProtect is most often chosen by:

EverydayProtect compared with other protection policies

What the policy does not cover - general exclusions

In addition to the exclusions listed in each section, MetLife will not pay any claim arising directly or indirectly, in whole or in part, from:

• Suicide, attempted suicide or self-harm by the policyholder (for Child Cover: a child's broken bones and hospital stays resulting from self-harm are covered after 12 months).
• Mental illness, depression, anxiety disorders or stress-related conditions.
• An unreasonable failure to seek or follow medical advice after noticing symptoms or an injury (you are responsible for a child under 18).
• Assault or fighting, except genuine self-defence and taking part in organised, non-professional sport (for example boxing or martial arts).
• Active participation in an illegal act or an attempt at one, including road traffic offences - including on an e-scooter.
• War, invasion, hostilities, civil war, rebellion, revolution, insurrection or coup.
• Travel to a country the FCDO advises against all travel to, or non-essential travel once the WHO has declared a pandemic.
• Alcohol or other substances that caused physical or mental impairment (balance, coordination, judgement, loss of inhibition) contributing to the accident; alcoholism (excessive drinking over a prolonged period, now or in the past); solvent abuse and drug taking (other than prescribed medication, not taken as part of addiction treatment).
• Racing: sprints, races, time trials and endurance events involving cars, lorries, motorcycles, bicycles and quad bikes (motorised), go-karts, motorboats and sailing boats, jet skis and horses (other than dressage, show jumping, team chasing and cross-country).
• Mountaineering, outdoor rock and cliff climbing, caving and potholing.
• Professional sport as your main occupation and main source of income. Sport on a scholarship, and amateur or semi-professional sport with small payments, is covered.
• Military duties in any branch of the armed forces (service personnel are covered for ordinary, civilian activities).
• Working with certain materials and in certain conditions as an employee or self-employed: explosives, ammunition and firearms, asbestos, pneumatic drills and tunnelling equipment; diving, demolition, underground and open-cast mining, quarrying; work on oil and gas rigs.
• Flying (including wingsuit flying), other than as a passenger, or as crew, on a licensed airline or charter flight.
• Elective cosmetic surgery carried out purely for aesthetic reasons with no medical need.

Important limits and rules

• A maximum of 5 units in total across all your MetLife EverydayProtect, MultiProtect and Accident Protection policies. If you exceed it, MetLife can cancel policies or reduce them to the 5 oldest units; payouts are based on the 5 units you have held longest, and overpaid premiums are refunded.
• Maximum payout for a single event: £50,000 per unit for you, £5,000 per unit for a child. Once your limit is reached the policy ends, together with Child Cover; a child's limit does not end the policy.
• A 50% reduction from your 70th birthday for Core Cover and Active Lifestyle Cover; Child Cover amounts are unchanged. MetLife will write to you before your 70th birthday.
• UK residence is a condition of the policy continuing - you must tell MetLife if you move abroad. For a claim relating to an event overseas, MetLife may ask for proof of the date you left and of your planned return within 6 months.
• Accidents abroad are covered, but the claim must be confirmed by a qualified doctor registered in the UK or in the country where it happened; MetLife may ask for further information from a UK doctor. Hospital stays are covered in the UK only.
• The policy cannot be transferred to another person or cashed in. If someone else pays the premiums they have no right to the payout - the benefit always goes to the policyholder.
• You must tell MetLife about changes to your name, address, bank details and residence, and when your children stop qualifying for Child Cover.
• Governing law: the policy is governed by the law of England and Wales, and disputes are decided by the courts of England and Wales.

How to make a claim - 3 steps

We will gladly handle the claim with you - at no extra charge. We help you gather the documents, deal with MetLife and keep track of deadlines. A claim may be referred to MetLife's Chief Medical Officer or clinical team for assessment; if the evidence differs from what was stated in the application, MetLife may decline the claim or change the amount.

Frequently asked questions