Critical Illness Insurance

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Critical Illness Insurance

If you're diagnosed with serious illness, be better prepared for whatever comes next.

Illnesses such as stroke1 or heart attack2 may leave you with unexpected costs, such as co-pays, deductibles, treatment for illnesses, and household expenses. Learn more about Critical Illness Insurance.

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Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments.

Critical illnesses can happen when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, co-pays for doctor visits, and extra costs for out-of-network care can add up fast. Having extra financial support you may need when the time comes may mean less worry for you and your family. 

Payments will be paid directly to you, not to the doctors, not to the hospitals, no to the other healthcare providers. You will receive a benefit check, payable to you.

No. Your Critical Illness Insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.5

Yes. If your employer offers Critical Illness Insurance, your acceptance is guaranteed,6 regardless of your health. You just need to be actively employed for your coverage to be effective. There are no medical exams to take and no health questions to answer.

Yes. Within 3 days of receipt, we'll send a Claims Acknowledgment Letter. Also, you can choose to receive payments the way you want - electronic funds transfer or check.7

Choose the Right Benefits

Answer a few quick questions, and we’ll provide recommendations for benefits that support your lifestyle and goals.

Protect Your Way of Life

Critical Illness Insurance might seem complex, until you have someone explain it to you in simple terms. See for yourself.


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1. In certain states, the Covered Condition is Severe Stroke.

2. The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate.  A myocardial infarction does not include sudden cardiac arrest.

3. Sourced from MetLife YouTube Video: Voluntary Benefits: Meaningful Conversations, Stephanie & Omrae, Critical Illness Insurance, Accessed January 2020

4. Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state.  Please contact MetLife for more information.

5. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

6. Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. [For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.] Some states require the insured to have medical coverage.

7. Applies only to "clean" claims.  A clean claim is a claim submitted with all the required information necessary to process the claim; no missing information requiring additional follow up with the subscriber.  It generally takes 10 business days to process "clean" claims.

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing condition exclusion. In most states, after a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits. MetLife offers CII on both an Attained Age and an Issue Age basis. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. MetLife’s Issue Age CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of that increase’s effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI or GPNP14-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In New York, availability of MetLife's Issue Age CII product is pending regulatory approval. MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses. ADF# CI1392.16