Regarding the test, there are 2 cases in which cover is offered. 

1. If you are admitted in to hospital, then it is obligatory for you to take a coronavirus test. 

        In this instance, the test is covered by Metlife as a hospital expense. 

2. If Metlife are to cover the cost of a test, of which you are taking whilst you are not hospitalised, it must: 

        a) Be referred by a doctor