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?
That's why MetLife offers Critical Illness Insurance. If you experience one of the covered conditions within any category and meet all the group policy and certificate requirements, you will receive a lump-sum payment to use as you see fit. This payment can help keep your family finances on track should you experience a covered condition.
Covered conditions include:
- Certain cancer-related conditions
- Certain heart-related conditions
- Certain other conditions
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
MetLife's Critical Illness Insurance pays a lump-sum benefit payment you can use to help bridge the financial gap between what your existing medical insurance covers and the additional expense associated with certain critical illnesses. The payment can be used at the discretion of the insured to help pay for such things as:
- Medical co-pays and deductibles
- Prescription drug co-pays
- Mortgage and rent payments
- Utility payments and other household bills
- Out-of-network treatments
- Childcare bills
- Car payments
- Travel to treatment centers
MetLife Critical Illness Insurance does not replace your current medical insurance; rather it provides a lump-sum benefit payment if you experience certain covered conditions.
If you would like to know more about Group Critical Illness Insurance or have specific questions about your coverage and options, please contact your company’s benefits administrator.
* Coverage for domestic partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.
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.
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