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Accident Insurance, Critical Illness Insurance, Cancer Insurance and Hospital Indemnity Insurance

Everyone’s health care needs are unique. We offer a broad range of options so you can tailor a solution to supplement your health care strategy.

Accident Insurance

Accidents can happen when least expected. And while they can’t always be prevented, employees can have help with some financial support to make their recoveries less expensive and less stressful.

With benefits that are simple to understand and easy to use, we’ll help you provide a group accident and health benefit plan for their needs. Our solutions provide:

  • Coverage for about 150 events in 5 categories — injuries, medical services & treatment, accidental death, hospitalization1, and dismemberment, loss, & paralysis2
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the employee to spend as they choose
  • Portability for continuation of coverage4

Please see the group certificate for specific information regarding covered benefits.

Cancer Insurance

A verified cancer diagnosis can happen to anyone, at any time, so it pays to be prepared. Help give them the financial support they need to stay focused on recovery and to keep moving forward.

With benefits that are simple to understand and easy to use, we’ll help you provide a cancer insurance benefit plan for their needs. Our solutions provide:

  • Coverage for several conditions such as full benefits for advanced cancers and partial benefits for many early stage cancers5
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the employees to spend as they choose
  • Portability for continuation of coverage4

Please see the group certificate for specific information regarding covered benefits.

Critical Illness Insurance

When a family member receives a verified diagnosis of a critical illness, it can be overwhelming — both physically and financially. Having help to provide financial cushions can allow employees to focus on getting back on track — without worrying about finding the extra cash to cover some of their expenses.

With benefits that are simple to understand and easy to use, we’ll help you provide a critical illness insurance benefit plan for their needs. Our solutions provide:

  • Coverage for a range of medical conditions including heart attack4, cancer5, stroke6, kidney failure, Alzheimer’s disease7, and Coronary Artery Bypass Graft8
  • Choice of issue age or attained age rate structures9
  • No waiting periods between different covered conditions
  • No pre-existing condition for heart attack or stroke
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the employees to spend as they choose
  • Portability for continuation of coverage10

Please see the group certificate for specific information regarding covered benefits.

Hospital Indemnity Insurance

Hospital stays can be pricey and are often unexpected. Since most medical plans — particularly high deductible health plans (HDHPs) — don’t cover all expenses, employees can help protect themselves from the financial strain of out-of-pocket costs and unexpected expenses.

With benefits that are simple to understand and easy to use, we’ll help you provide a hospital indemnity insurance benefit plan for their needs. Our solutions provide:

  • Coverage for hospital admission and confinement for accidents and sickness1
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the employee to spend as they choose
  • Portability for continuation of coverage10

Please see the group certificate for specific information regarding covered benefits.

Information for Employees

If you're an employee, get the information you need to make Accident & Health Insurance decisions.

1 For Accident Insurance and Hospital Indemnity Insurance, Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details. For Hospital Indemnity Insurance, the Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details. For hospital indemnity insurance, there is a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

2 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details. Paralysis coverage is not available in all states. Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for details.

3 For Accident Insurance, Critical Illness Insurance, Cancer Insurance and Hospital Indemnity Insurance, coverage is guaranteed provided (1) the employee is actively at work and (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. Additional restrictions apply to dependents serving in the armed forces or living overseas. For Critical Illness and Cancer Insurance coverage for California-sitused cases only, critical illness insurance 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. Additional restrictions apply to dependents serving in the armed forces or living overseas. For Accident Insurance, Critical Illness Insurance and Cancer Insurance, children may be covered to age 26. For Accident Insurance, there are benefit reductions that may begin at age 65. For Critical Illness Insurance and Cancer Insurance, the plan may include a Benefit Reduction Due to Age provision. For Hospital Indemnity Insurance, there are benefit reductions that begin at age 65.

4 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.

5 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH-sitused groups and NH residents, there is an initial benefit of $100 for All Other Cancer.

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

7 Please review the Disclosure Statement for specific information about Alzheimer’s Disease.

8 In certain states, the Covered Condition is Coronary Artery Disease.

9 In NY sitused cases, Issue Age is not available.

10 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.

METLIFE’S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There are benefit reductions that begin at age 65, if applicable. Like most group accident and health insurance policies, policies offered by MetLife may include waiting periods and contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife.

Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

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 vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. Attained Age rates will increase when a Covered Person reaches a new age band. Rates are subject to change. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product 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, GPNP10-CI, GPNP14- CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

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.

The MetLife Cancer Insurance plan is based on the MetLife Critical Illness Insurance (CII) policy. MetLife Cancer Insurance includes only the Cancer Covered Condition Category.

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 vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both MetLife’s CII product 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, GPNP10-CI, GPNP14- CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

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.

METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. Prior hospital confinement may be required to receive certain benefits. There may be a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, C17 policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.

Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.