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Homepage For Businesses and Brokers Employee Benefits Accident & Health

Accident & Health Insurance

Help employees fill the gaps in medical coverage that can result in unexpected expenses and financial stress.

Our Products

Accident Insurance

Protection for life's unexpected moments.

Critical Illness

Financial support for employees when they, or a loved one, become seriously ill.

Hospital Indemnity

Help for unexpected expenses related to hospital stays².

Cancer Insurance

Coverage so employees can focus on care, not cost.

Accidents happen.

With benefits that are simple to understand, we’ll help you provide a group Accident Insurance plan with these easy-to-use solutions:

When a family member receives a critical illness diagnosis, the burden can be physically, emotionally and financially overwhelming.

With benefits that are simple to understand, we’ll help you provide a Critical Illness Insurance benefit plan with these easy-to-use solutions:

Help protect employees from the out-of-pocket costs that often come with hospital stays, such as co-pays, deductibles, and out-of-network charges.

With benefits that are simple to understand, we’ll help you provide a Hospital Indemnity Insurance benefit plan with these easy-to-use solutions:

A sudden cancer diagnosis means your employee needs all the support they can get. Help provide financial support so they can stay focused on recovery and moving forward.

With benefits that are simple to understand, we’ll help you provide a Cancer Insurance benefit plan with these easy-to-use solutions:

Coverage to Focus On What Matters

Broad coverage to help with the unexpected

Flexibility is always better when choosing benefits. Tailor supplemental insurance plans to supplement your employees’ lifestyles.

A quick and easy claims experience

Your employees are able to file claims flexibly and without worry. 97% of claims decisions are made within three days and are paid directly to the employee via convenient claim payment methods¹¹.

An outstanding service experience

No age restrictions, waiting periods, or coordination with existing insurance. Enjoy a single source service set and additional services to plan ahead for the health and wellness of your workforce.

Backed by MetLife’s unmatched track record

MetLife is the largest single, nonmedical, commercial benefits carrier in the U.S.¹³ with over 2.5 million participants¹⁴ at over 80 Fortune 500 organizations¹⁵.

¹ 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.

² 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, there is a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

³ 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 California-sitused cases, 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. Children may be covered to age 26. There are benefit reductions that may begin at age 65.

⁴ 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.

⁵ 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.

⁶ Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.

⁷ In certain states, the Covered Condition is Severe Stroke.

⁸ Please review the Outline of Coverage for specific information about Alzheimer’s disease

⁹ 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. When plan includes an Admission Benefit, the Confinement Benefit begins on Day 2.

¹⁰ MetLife’s 20th Annual U.S. Employee Benefits Trends Study

¹¹ 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.

¹² Children may be covered to age 26. There are benefit reductions that may begin at age 65.

¹³ Based on in-force premiums and equivalents. LIMRA Voluntary Product Sales Report, 2Q 2017

¹⁴ Based on MetLife 2019 internal data.

¹⁵ 2019 MetLife Market Research, FORTUNE 500®, May 2019. FORTUNE 500® is a registered trademark of FORTUNE® magazine, a division of Time, Inc

METLIFE'S ACCIDENT AND HOSPITAL INDEMNITY INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not intended to be a substitutefor medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policies or their 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, if applicable. MetLife’s Accident and Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. And, like most group accident and health insurance policies, 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, 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.

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

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. The plan may include a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which benefits will not be paid for a recurrence, except in the case of individuals covered under a New York certificate. MetLife offers CII with either Attained Age or Issue Age rates. 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 include a Benefit Reduction Due to Age provision. 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 the initial coverage 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 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 or 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.

ADF# AI-CA-CI-HI1778.17

Accident & Health Insurance

Accident & Health Insurance