Take comfort knowing you have financial support for accidents with MetLife’s Accident Insurance.
When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to cover bills, co-pays, transportation, and childcare expenses.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
How can this help me?
Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing that should be on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as the required copay, or the lost wages you or your spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point, you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Group Accident insurance does just that, providing a cash benefit to cover the costs associated with unexpected covered accidents.
Who is eligible?
When can I enroll?
What if my employment status changes?
Will my rates increase as I get older or if I file a claim?
What types of accidents and injuries am I covered for?
Our accident insurance pays a benefit for a wide array of events, medical services, and treatments.
This plan provides a lump-sum payment for over 150 different covered events, such as:
You’ll also receive a lump-sum payment when you have these covered medical services/treatments7:
This plan provides protection for covered events experienced while off the job only. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on your coverage.
Will I have to take a medical exam to get this coverage?
1 Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit
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.