Hospital Indemnity Insurance

Hospital indemnity insurance can help you be financially prepared

Hospital Indemnity Insurance

Reduce the out-of-pocket costs of hospital stays

Unexpected hospital 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 with money to help pay for the expenses you might not anticipate so that 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 on top of what your medical insurance covers
  • Coverage for hospital admission, stays and accident-related rehabilitation (accidents only)1

Did you know studies show that you can spend on average $10,900 for a hospital stay in the US?2

Hospital FAQ’s
Am I eligible to enroll for this coverage? Collapsed Expanded

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during the open enrollment period and be actively at work. Some dependents may not be subject to medical restrictions as outlined in the Certificate, but there are a couple of things to bear in mind. Some states require the insured to have medical coverage and some additional restrictions apply to dependents serving in the armed forces or living overseas.

I have a good medical plan at work, so why do I need hospital indemnity insurance? Collapsed Expanded

Hospital stays can be pricey, and often unexpected. Even the best medical plans can leave you with extra expenses to pay for services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Can I enroll for this insurance without having a medical exam? Collapsed Expanded

Yes. Your hospital indemnity coverage is guaranteed, regardless of your health4. 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.

Are benefits paid to me or my health care provider? Collapsed Expanded

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

If my employment status changes, can I take my coverage with me? Collapsed Expanded

Yes. This coverage is portable, meaning you can take it with you wherever you go. Your coverage will only end if you stop paying your premium or if your current employer chooses to cancel the group hospital indemnity insurance policy.5

A broken arm shouldn’t leave you broke

In an emergency, there’s little time to worry about hospital bills. With hospital indemnity insurance, you don’t have to.

1 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.

2 Source: Agency for Healthcare Research and Quality. Healthcare Cost and Utilization Project (HCUP). 2005–2014. Statistical Brief #225. Updated June 2017. https://www.hcup-us.ahrq.gov/reports/statbriefs/sb225-Inpatient-US-Stays-Trends.pdf. Accessed August 2018

3 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 apply to dependents serving in the armed forces or living overseas.

4 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 is 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.