To integrate with MetLife Gulf's API for insurance claim processing in Dubai, follow these
steps to ensure a smooth and secure integration.
Step 1: Get API Access from MetLife Gulf
📄 Contact MetLife Gulf
Reach out to MetLife Gulf’s IT or API integration team to request API access.
Submit a formal application detailing:
o Your company’s profile and services.
o The purpose of the integration (e.g., claim submission, status tracking, etc.).
o Security and compliance adherence (especially to DHA and eClaimLink
regulations).
Step 2: Obtain API Credentials
Upon approval, MetLife will provide:
API Base URL: Sandbox and Production URLs.
Client ID & Secret Key: For OAuth 2.0 authentication.
API Key (if applicable): For additional security.
Step 3: API Authentication with OAuth 2.0
MetLife’s APIs generally use OAuth 2.0 for secure authentication.
✅ Get Access Token
Endpoint: /oauth/token
Method: POST
Headers:
{
"Content-Type": "application/json",
"Authorization": "Basic <base64(client_id:client_secret)>"
}
Request Body:
{
"grant_type": "client_credentials"
}
Response:
{
"access_token": "eyJhbGciOiJIUzI1NiIs...",
"expires_in": 3600
}
✅ Store the access_token securely and use it for all API requests.
Step 4: API Endpoints for Claim Processing
📋 1. Submit Claim API
Endpoint: /claims/submit
Method: POST
Headers:
{
"Content-Type": "application/json",
"Authorization": "Bearer <access_token>"
}
Request Body Example:
{
"patient_id": "P12345",
"policy_number": "DUB-987654",
"claim_type": "outpatient",
"provider_id": "HOSP123",
"invoice_details": [
{
"service_code": "LAB001",
"amount": 500,
"currency": "AED"
}
],
"documents": [
{
"file_name": "lab_report.pdf",
"file_type": "application/pdf",
"file_data": "<base64_encoded_file>"
}
]
}
Response:
{
"status": "success",
"claim_id": "CLM12345",
"message": "Claim submitted successfully"
}
2. Check Claim Status API
Endpoint: /claims/status
Method: GET
Query Parameters:
claim_id=CLM12345
Headers:
{
"Authorization": "Bearer <access_token>"
}
Response:
{
"claim_id": "CLM12345",
"status": "approved",
"amount_approved": 450,
"currency": "AED",
"processing_stage": "finalized"
}
3. Pre-Authorization API (if required)
For high-cost treatments, pre-authorization may be necessary.
Endpoint: /claims/preauthorize
Method: POST
Request Body:
{
"patient_id": "P12345",
"policy_number": "DUB-987654",
"procedure_code": "SURG001",
"estimated_cost": 10000,
"provider_id": "HOSP123"
}
Response:
{
"status": "approved",
"authorization_id": "AUTH456",
"valid_until": "2025-03-31"
}
Step 5: Integrate with eClaimLink for Regulatory
Compliance
Since all health claims in Dubai must comply with DHA (Dubai Health Authority) regulations,
they need to be submitted through eClaimLink.
eClaimLink API Steps:
1. Apply for eClaimLink API Access:
o Contact the DHA and register as a provider or TPA.
2. Get API Credentials:
o Receive credentials to access eClaimLink.
3. Map JSON to XML:
o eClaimLink accepts XML format for claim submissions.
4. Submit Claims via eClaimLink:
o Use MetLife’s API to submit claims and forward the claim details to eClaimLink.
Step 6: Testing in Sandbox Environment
1. Test API Endpoints:
o Submit test claims using MetLife’s sandbox URL.
o Validate all success and error scenarios.
2. Error Handling:
o Handle response codes:
200 OK – Success.
400 Bad Request – Invalid data.
401 Unauthorized – Invalid token.
500 Internal Server Error – Retry mechanism.
Step 7: Deploy and Monitor in Production
1. Switch to Production URL:
o Migrate from sandbox to live API.
o Update credentials with production keys.
2. Real-time Monitoring:
o Use logging and monitoring tools to track API health and claim statuses.
MetLife API Workflow Diagram
[Client App] --> [OAuth 2.0 Auth Request] --> [MetLife API Gateway] --> [Token
Issued]
[Client App] --> [Claim Submission API] --> [MetLife Claims System]
[MetLife Claims System] --> [eClaimLink] --> [DHA Approval]
[Client App] --> [Claim Status API] --> [MetLife Claims System]
Tech Stack Recommendations
Backend: Python (Flask/Django), Node.js, or Java (Spring Boot)
Frontend (if required): React / Angular
Security: OAuth 2.0, JWT, HTTPS
Database: MongoDB / PostgreSQL (for storing claim data locally)
Pro Tip:
If you’re integrating with multiple insurers/TPAs, consider creating a middleware API to
handle different API formats and endpoints.
API Documentation Request:
To get MetLife Gulf’s API documentation, email:
📧 Email: [MetLife Gulf Customer Support or IT Department]
📞 Contact: Reach out through their business helpline.
