Hospital Indemnity Insurance

Hospital Indemnity Insurance  


Unexpected hospital1 stays can lead to expenses that quickly add up. MetLife’s Hospital Indemnity Insurance can provide the money you can use to help cover the costs you might not anticipate. Helping you handle expensive hospital bills lets you focus more on recovering and less on how much the next test is going to cost.


  • You’ll receive a lump sum payment to use as you see fit
  • Pays on top of what your medical insurance covers
  • Coverage for hospital admission, stays and accident-related rehabilitation (accidents only)

Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.



Outside of new hire enrollment period, enrollment is limited to annual enrollment and qualifying life events.

Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
  M-F 9a-6p ET

How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • What is Hospital Indemnity Insurance?

    Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

    Features of Hospital Indemnity Insurance include:

    • Flexibility: You can use the benefit money for any purpose you like
    • Payroll deductions: Premiums paid through convenient payroll deductions
    • Affordable coverage: Rates are typically lower when you purchase coverage through your employer
    • Portable: Should you leave your current employer or retire, you can take the policy with you and select from a variety of payment plans
  • How can Hospital Indemnity Insurance help?

    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses, such as deductibles and copays
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible for Hospital Indemnity Insurance?

    • You—must meet actively-at-work definition
    • Your spouse/domestic partner*
    • Your child(ren)— to age 26. Coverage is available only if Employee coverage is elected

    *The use of “spouse” in this document means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

Hospital Indemnity Insurance - Learn More

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Hospital Indemnity Insurance Brochure
Plan Summary
Plan Summary (New Hampshire Residents Only)
Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.