EverydayProtect is a personal accident and hospitalisation policy underwritten by MetLife. If you suffer a covered injury, are admitted to a UK hospital, or are diagnosed with one of the conditions in your plan, EverydayProtect pays you a cash lump sum — useful for replacing income, covering household bills, or simply helping you recover without financial stress.
The policy is sold in units: you choose between 1 and 5 units. The more units you buy, the higher your monthly premium and the higher every benefit pays out. This page reproduces the official MetLife Summary of Benefits in full — every cost, every covered event, at every unit level.
Monthly cost
Core Cover is required. Child Cover and Active Lifestyle Cover are optional add-ons that you can add on top.
Pricing and benefits shown reflect the EverydayProtect refresh effective 19 June 2026.
| 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units | |
|---|---|---|---|---|---|
| Core Cover | £11 | £22 | £33 | £44 | £55 |
| Child Cover (optional) | +£2 | +£4 | +£6 | +£8 | +£10 |
| Active Lifestyle Cover (optional) | +£2 | +£4 | +£6 | +£8 | +£10 |
Core Cover benefits
The amounts in the tables below are the lump sums payable on a valid claim. All Core Cover benefit amounts are reduced by 50% from the policyholder’s 70th birthday.
Broken bones
| Injury | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Major fracture (arm, ankle, back, hip, mandible, leg, neck, pelvis, shoulder, wrist, skull — not including facial bones or ear bones) | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Minor fracture (ear bones, facial bones other than the mandible, excluding the nose, and any other bone not listed as major) | £250 | £500 | £750 | £1,000 | £1,250 |
Hospitalisation in the UK (per 24-hour period)
| Benefit | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Hospital admission as a result of accident or sickness | £50 | £100 | £150 | £200 | £250 |
Accidental permanent injury
| Injury | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Paralysis of limbs — total and irreversible | £25,000 | £50,000 | £75,000 | £100,000 | £125,000 |
| Blindness in both eyes — permanent and irreversible | £20,000 | £40,000 | £60,000 | £80,000 | £100,000 |
| Loss of both hands or both feet — permanent physical severance | £20,000 | £40,000 | £60,000 | £80,000 | £100,000 |
| Deafness in both ears — permanent and irreversible | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Loss of use of elbow, hip, shoulder, knee, ankle or wrist | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Loss of one hand or foot — permanent physical severance | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Loss of thumb | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Third-degree burns — covering 20% of the body’s surface | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Blindness in one eye — permanent and irreversible | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Loss of speech — total, permanent and irreversible | £7,500 | £15,000 | £22,500 | £30,000 | £37,500 |
| Deafness in one ear — permanent and irreversible | £2,500 | £5,000 | £7,500 | £10,000 | £12,500 |
| Loss of finger (not thumb) or toe | £2,500 | £5,000 | £7,500 | £10,000 | £12,500 |
Total permanent disablement
| Benefit | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Unable to look after yourself ever again (due to accidental injury only) | £50,000* | £100,000* | £150,000* | £200,000* | £250,000* |
Accidental death
| Benefit | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Accidental death | £40,000 | £80,000 | £120,000 | £160,000 | £200,000 |
Non-accidental death
| Period | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Within 1 year | Premiums refunded | Premiums refunded | Premiums refunded | Premiums refunded | Premiums refunded |
| Year 2 | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Years 3–4 | £1,500 | £3,000 | £4,500 | £6,000 | £7,500 |
| Year 5+ | £2,000 | £4,000 | £6,000 | £8,000 | £10,000 |
Maximum per single event under Core Cover: £50,000 per unit of cover. This applies to (a) a single accident, resulting in any combination of Core Cover benefits being paid, or (b) a single, uninterrupted hospital stay. Once the maximum benefit has been paid for a single insured event, the policy ends.
Child Cover (optional add-on)
Child Cover protects your children aged 6 months to 18 years (or up to 23 if in full-time education). Children do not need to live with you to be covered, and Child Cover includes children’s cancer cover.
Broken bones
| Injury | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Major fracture (arm, ankle, back, hip, mandible, leg, neck, pelvis, shoulder, wrist, skull — not including facial bones or ear bones) | £250 | £500 | £750 | £1,000 | £1,250 |
| Minor fracture (ear bones, facial bones other than the mandible, excluding the nose, and any other bone not listed as major) | £50 | £100 | £150 | £200 | £250 |
Hospitalisation in the UK (per 24-hour period)
| Benefit | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Hospital admission as a result of accident, sickness or self-inflicted injury | £20 | £40 | £60 | £80 | £100 |
Accidental permanent injury
| Injury | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Paralysis of limbs — total and irreversible | £5,000^ | £10,000^ | £15,000^ | £20,000^ | £25,000^ |
| Blindness in both eyes — permanent and irreversible | £4,000 | £8,000 | £12,000 | £16,000 | £20,000 |
| Loss of both hands or both feet — permanent physical severance | £4,000 | £8,000 | £12,000 | £16,000 | £20,000 |
| Deafness in both ears — permanent and irreversible | £2,000 | £4,000 | £6,000 | £8,000 | £10,000 |
| Loss of one hand or foot — permanent physical severance | £2,000 | £4,000 | £6,000 | £8,000 | £10,000 |
| Loss of use of elbow, hip, shoulder, knee, ankle or wrist | £2,000 | £4,000 | £6,000 | £8,000 | £10,000 |
| Loss of thumb | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Deafness in one ear — permanent and irreversible | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Blindness in one eye — permanent and irreversible | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Loss of speech — total, permanent and irreversible | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Burn — referred to a specialist burns unit due to its severity, covering 5% of the body’s surface | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Loss of finger (not thumb) or toe | £250 | £500 | £750 | £1,000 | £1,250 |
Total permanent disablement
| Benefit | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Unable to look after themselves ever again (due to accidental injury only) | £5,000^^ | £10,000^^ | £15,000^^ | £20,000^^ | £25,000^^ |
Cancer
| Benefit | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Cancer diagnosis (as defined in the policy Terms & Conditions) | £5,000 | £10,000 | £15,000 | £20,000 | £25,000 |
Accidental death
| Benefit | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Accidental death | £4,000 | £8,000 | £12,000 | £16,000 | £20,000 |
- ^ The Child Cover benefit for Paralysis of Limbs is reduced by any amount already paid in connection with the same accident.
- ^^ The Child Cover benefit for Total Permanent Disablement is reduced by any amount already paid in connection with the same accident.
- Maximum per single event under Child Cover: £5,000 per unit of cover. Applies to a single accident, a single uninterrupted hospital stay, or a diagnosis of cancer. A cancer diagnosis is treated as a separate insured event from any hospital stays.
- Non-accidental death benefit is not included under Child Cover.
Active Lifestyle Cover (optional add-on)
Active Lifestyle Cover protects against the soft-tissue injuries that are most common in contact sports — particularly relevant for football, rugby and other active players and members. Children are not covered under Active Lifestyle Cover.
| Injury | 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
|---|---|---|---|---|---|
| Dislocation (excluding fingers, thumbs and toes) | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Ligament tear — complete (grade 3) tear of knee or ankle joint ligament | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
| Ligament tear — partial (grade 2) tear of knee or ankle joint ligament | £500 | £1,000 | £1,500 | £2,000 | £2,500 |
| Tendon rupture (Achilles, hamstring, bicep brachii / upper arm, quadriceps, or rotator cuff) | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 |
Limitations to Active Lifestyle benefits
- In each policy year, Active Lifestyle Cover can pay a benefit for: one dislocation, and one tendon rupture or grade 3 / grade 2 ligament tear.
- Dislocations: only dislocations resulting in surgical intervention or manipulation in a hospital setting are covered.
- Ligament tears: if a benefit has already been paid for a partial (grade 2) ligament tear, the benefit for a subsequent complete (grade 3) ligament tear in the same policy year will be paid at the partial (grade 2) rate.
- Active Lifestyle benefit amounts are reduced by 50% from the policyholder’s 70th birthday.
- If your policy with Active Lifestyle Cover is cancelled or terminated for any reason and you then buy a new policy, you will not be covered for the Active Lifestyle Cover benefit on the new policy for 12 months from the date the original policy was cancelled.
Included free with every policy
Every EverydayProtect policy — including the lowest tier — comes with three value-added services at no extra cost. They aren’t part of the insurance contract itself, but MetLife provides them through specialist partners.
Virtual Physiotherapy (new — from 19 June 2026)
Provided by HealthHero. Free for all new and existing EverydayProtect customers from 19 June 2026 — useful for everyday musculoskeletal pain and injury recovery (bones, joints and soft tissue).
- 6 virtual sessions per year, 30 minutes each
- Tailored exercise plans designed around your condition
- Option to request the same therapist across sessions
- Signposting to a GP appointment when appropriate
- Bookable up to six weeks in advance
- Monday–Friday, 9 a.m.–5 p.m. (excluding bank holidays)
- Access via the myMetLife portal
GP24 — virtual GP access
Provided by HealthHero. 24/7 access to UK-registered GPs for you and your immediate family, 365 days a year, anywhere in the world. Includes private prescriptions, private referrals, fit notes, and up to two second medical opinions per person per year. Available in 200+ languages.
Wellbeing Support Centre
Provided by Health Assured. Free, unlimited support for you and your family — counselling, advice and nursing care available by phone, app or video call, 24 hours a day. Covers general wellbeing, family issues, bereavement and probate, childcare and eldercare, emotional support, managing debt and tax issues.
These services are added benefits and are not part of the insurance contract. MetLife reserves the right to amend or withdraw any of them.
Important policy terms at a glance
- UK residents only. Available from age 18 up to your 65th birthday to take out a new policy. Cover can continue up to your 75th birthday.
- No health questions. Guaranteed acceptance — no medical underwriting.
- Benefit amounts reduce by 50% from the policyholder’s 70th birthday. This applies to Core Cover and Active Lifestyle Cover.
- 12-month waiting period before hospitalisation due to sickness (or, on Child Cover, self-inflicted injury) is covered. Hospitalisation due to accident is covered from day one.
- Monthly rolling contract. Cancel at any time — no lock-in.
- Cover starts immediately from the policy start date for accident-related claims.
- Claims requiring extra medical evidence. If the information you submit doesn’t fully support a claim, MetLife may ask for additional details from a UK-qualified medical practitioner — and will pay the reasonable costs of obtaining that evidence.
EverydayProtect is underwritten by MetLife Europe d.a.c. and distributed by Dragonfly Crowd. This page is a summary intended to help you understand what you’re buying — the full Policy Terms & Conditions and Summary of Benefits take precedence over the information shown here. Download the official MetLife Summary of Benefits (PDF) for the authoritative document.
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