Critical Illness

Critical Illness Insurance

Critical Illness Insurance complements your medical and disability income coverage, and can ease the financial impact of a critical illness by providing a lump-sum benefit to help you pay some of your additional expenses.

Thanks to advancements in modern medicine, chances of recovery from a critical illness like a heart attack, cancer, or stroke have greatly improved.

Although most medical plans provide coverage for hospital and medical expenses arising from critical illnesses, there are still many expenses that are not covered, such as medical co-pays, transportation to treatment centers, childcare, and more—could your nest egg withstand the potential financial impact of a critical illness?

MetLife Critical Illness Insurance policies feature:

• Enhanced coverage to traditional medical plans, consumer-driven health plans, and disability income coverage
• A lump-sum benefit payment to use as you see fit
• Dependent coverage for your spouse/domestic partner and children
• Additional occurrence benefit
• Convenient payment options
• No obligation to submit expense receipts
• Coverage that can go with you if you leave your employer under certain circumstances

Critical Illness Insurance does not replace current medical insurance; rather, it provides a lump-sum payment if you experience certain covered conditions.

Critical Illness Insurance complements your medical and disability income coverage. It can ease the potential financial impact of certain critical illnesses by helping you pay for some of the expenses associated with a covered condition.

MetLife Critical Illness Insurance (CII) is a limited group 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.  In most states, there is a 30 to 90 day waiting period after the effective date of coverage and a preexisting condition exclusion.  In some states there is a benefit suspension period between covered conditions in different categories or a limit on the total benefit payments per calendar year.  A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement or Outline of Coverage/Disclosure Document.  Please contact MetLife for more information.