Critical Illness Insurance

Extra help when a serious illness strikes.

Helps you and your family when you need it most

You can never be fully prepared for a major illness.  But with critical illness insurance, you can be better prepared financially to handle the cost associated with a covered condition.

Critical Illness Insurance

Lump sum payment provides support when your family needs it most

Experiencing a critical illness such as a as a cancer1 diagnosis, heart attack,2 or stroke3 is difficult enough. Worrying about your financial situation on top of this can be overwhelming. Rent payments, car payments, and childcare payments don’t go away while you’re focused on recovering. MetLife Critical Illness Insurance can help you have financial support when it matters most.

Learn more about Critical Illness Insurance by reviewing the information found in the links to the right.

The Plan Summary provides examples of how the coverage may apply, but the specific coverage language is provided in the applicable certificate of insurance. Please review the certificate of insurance to understand the conditions covered, as well as the exclusions and limitations, prior to electing coverage.

Critical Illness Plan Summary

Critical Illness Outline of Coverage

CRITICAL ILLNESS FLYER

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

2 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.

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

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. In most plans, there is a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits, except in the case of insureds covered under a New York certificate. MetLife offers CII on both an Attained Age and an Issue Age basis. 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 be subject to benefit reductions that begin at age 65. 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 to both Attained Age and Issue Age CII 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 or 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 expense.