INDUSTRY INSIGHTS

Support your clients with MetLife 360Health

May 2024
by
MetLife Australia
Industry Insights Content Team
As an adviser, shepherding clients through their financial lives is a given. You offer investment advice, estate planning, insurance and more. But with MetLife’s game changing 360Health program, you can help empower your clients, and their families, to take better care of their health, too.
Since its inception six years ago, MetLife 360Health has won a host of awards, most recently Best Overall Health and Wellness Program at Plan For Life’s Excellence Awards 2023. Supporting all stages of the health journey, MetLife 360Health offers valuable tools and services that can help improve everyday health, prevent illness and aid recovery when things go awry.
Through the user-friendly MetLife 360Health portal, customers enjoy virtual, confidential, and unlimited access to medical experts, including GPs, mental health clinicians, and paediatricians. They can get tailored nutritional plans from accredited practising dietitians, or curated fitness plans from exercise physiologists. They can learn how to manage their health risks. All without leaving the house.
At no extra cost, MetLife 360Health services are available to all customers and their families, anytime from anywhere, and not just when they are on claim. As an adviser, you, and your family 1 can also tap into the benefits of MetLife 360Health. It’s a win-win.
360Health can provide second opinions
Sandra* was leading a happy, healthy life, but at 42 began experiencing a dull pain in her right ear that became stronger and more constant. A CT scan showed changes in a section of Sandra’s brain and with a family history of Multiple Sclerosis (MS), she underwent a raft of tests.
Sandra was diagnosed with Relapsing-Remitting Multiple Sclerosis (RRMS) and began treatment. But the side effects made her feel even worse, and the pain continued. Suffering from fatigue, Sandra turned to MetLife 360Health.
The expert who reviewed her case concluded that she had been misdiagnosed. She had two separate conditions: Radiologically Isolated Syndrome and Chronic Intractable Headaches, not MS. After sharing the report with her treating doctors, her MS therapy was stopped, and a new plan was put in place. Sandra is now back at work, feeling well and back in control of her health.
Thanks to MetLife 360Health’s global network of specialists, customers like Sandra can get a second opinion and feel confident in their health decisions. MetLife 360Health has led to diagnoses being modified in 23% of cases and treatment modified in more than 50% of cases. Spinal surgery has been prevented in 40% of cases.

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360Health gets customers back on their feet
MetLife 360Health supports recovery and rehabilitation when a customer is unwell or injured. Our experienced internal allied health team provides a personalised recovery plan as soon as claim forms are lodged — which is faster than any other players in the market2.
MetLife 360Health also boasts the highest proportion of rehabilitation referrals in the industry, plus the best return-to-work rate2. Eighty-five per cent of customers are back on the job within the waiting period2. In addition to recovery and rehab services, MetLife 360Health offers return-to-work support for on-claim customers including retraining, ergonomic assessments, business coaching and more — proving that it’s truly a holistic, end-to-end program.
How does 360Health help financial advisers?
MetLife 360Health can help you support your clients in a meaningful way that goes beyond finances and insurance. You can educate your clients about MetLife 360Health’s many services and tools; you can even book virtual, confidential health appointments on behalf of clients.
For example, if you had a client whose MetLife Protect policy was accepted with a medical loading due to their body mass index (BMI) — an indicator of health risks — you could connect your client with an exercise and nutrition expert via MetLife 360Health for a personalised plan to lower their BMI. Once your client’s BMI is in the healthy range, they could consider applying for the loading to be removed if there are no other related or other health issues.
360Health supports mental health and wellbeing  
MetLife recognises that mental wellbeing is just as important as physical health, with 1 in 4 income protection claims being mental health claims3. Using MetLife 360Health, customers reduce the number of days they’re absent from work. 360Health also saves them income that could have been lost due to absenteeism attributed to mental health symptoms.
How does MetLife 360Health do this? With the help of a mental health nurse, customers are put in touch with a psychologist or psychiatrist for a virtual expert assessment within, on average, 8 days; the industry average is anywhere from 4 weeks to 6 months. The mental health nurse helps the customer navigate the mental health system and find a suitable psychologist or psychiatrist in their area. Data shows that 87% of MetLife customers then transition seamlessly into ongoing mental health care, getting them back to work and enjoying life sooner4.
*Name has been changed
For more information
If you’re a financial adviser and want to offer your clients additional value while helping them live healthier, for longer, visit MetLife 360Health or contact your local business development manager (BDM). Not a partner yet?

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References

  1. The term ‘family’ consists of partner, children,parents and parents-in-law.
  2. Swiss Re Rehab Watch (2022).
  3. MetLife Claims Paid Data (2022)
  4. Teladoc Health data (2022)

© MetLife Insurance Limited (MetLife) 2024. While care has been taken in preparing this material, MetLife does not warrant or represent that the information, opinions or conclusions contained in this information are accurate. The information provided is general information only is current as at the time of production. It has been prepared without taking into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. It is not intended to be a substitute for professional advice and should not be relied upon as such.  MetLife recommends that you obtain independent and specific advice from appropriate professionals before implementing a financial strategy, including reading any relevant product disclosure statements and/or terms and conditions. 

360Health services are not provided by way of insurance (including health insurance) and the provision of these services is not dependent on the occurrence of an insured event under the policy. Access to these services will be at MetLife’s absolute discretion and MetLife reserves the right to reasonably discontinue or change the services at any time. 

This website contains general information only, which does not take into account your personal financial situation, objectives or needs. Before deciding whether to acquire, or continuing to hold, any of our products, please seek appropriate independent financial advice to assess whether it is suitable for you. You should also consider the relevant Product Disclosure Statement, available upon request by calling 1300 555 625, before making any decision. Life insurance products are issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096.

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