Hospital Indemnity Insurance

Hospital indemnity insurance can help you be more financially prepared for the unexpected costs that may come from a hospital1 stay.

Hospital Indemnity Insurance

You can help yourself be financially prepared and focus on getting well with hospital indemnity insurance.

Hospital Indemnity Insurance

Help pay for out-of-pocket costs related to hospital stays

Unexpected hospital1 stays can lead to expenses that quickly add up. Even the best medical plans could leave you with expenses for services not covered. Hospital indemnity insurance provides you a benefit for a covered event that can help cover the costs you might not anticipate, so you can 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 regardless of what your medical insurance covers
  • Coverage for hospital admission, stays and inpatient2 rehab may be included3

Did you know studies show that you can spend on average $11,700 for a hospital stay in the US?4

Hospital Indemnity Insurance FAQs

Hospital stays can be pricey and are often unexpected. Even the best medical plans can leave you with extra expenses to pay or with services that just aren’t covered such as plan deductibles, co-pays and extra costs for out-of-network care. Having this extra financial support when the time comes may mean less worry for you and your loved ones.

Yes. Your coverage is guaranteed,9regardless of your health. You just need to be actively at work. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Hospital Indemnity Insurance may be more affordable than you think. It’s designed to be a way for you to supplement your healthcare plan. Exact rates can be found in the enrollment materials provided by your employer.You pay premiums through payroll deductions, so you don’t have to worry about writing any checks or missing payments.

Your coverage starts on the effective date. There are no waiting periods for it to begin.

Payments go directly to you, not to the doctors, to the hospitals or to any other healthcare providers. And to make things even easier, the check is made payable to you. There’s no need to coordinate with any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it with you wherever you go so long as you continue paying your premiums.10

Yes. Once we’ve received all the necessary information, claims are generally processed within 10 business days. You only need one claim form per admission or hospital stay and every claim is reviewed by a professional.7

Your Hospital Indemnity Insurance can be cancelled by emailing the cancellation request to

*Please review the other insurance tabs to ensure the cancellation process is the same.

Help Alleviate the Cost from Hospital Stays

Supplement your current health plan and help protect your finances with hospital indemnity insurance.

1 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

2 Inpatient Rehabilitation Unit Benefit is standardly applied for covered Accidents only. It is available as an add-on for Sickness.

3 The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details.

4 Source: Published on April 26, 2022

5 There may be a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

6 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.

7 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.

METLIFE'S HOSPITAL INDEMNITY 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 may be a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may 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, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.