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Group Accident & Health

Solutions to complement your health care strategy, with options to help narrow financial gaps in employees' coverage. For further details, please contact your broker

Accident Insurance

Offer a solution that provides:

  • Coverage for over 150 events in 5 categories — injuries, medical services and treatment, accidental death, hospitalization1, and dismemberment, loss of limb and paralysis
  • No limitations on the number of accidents covered2
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage4

Please see the group certificate for specific information regarding covered benefits.

Cancer Insurance

Offer a solution that provides:

  • Coverage for over several conditions such as full benefits for advanced cancers and partial benefits for many early stage cancers5
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage4

Please see the group certificate for specific information regarding covered benefits.  For Arizona residence, please review the policy exclusions and limitations for your state.

Critical Illness Insurance

Offer a solution that provides:

  • Coverage for  a range of medical conditions including heart attack, stroke6, kidney failure, Alzheimer’s disease7, and Coronary Artery Bypass Graft8
  • Choice of issue age or attained age rate structures
  • No waiting periods between different conditions
  • No pre-existing condition for heart attack or stroke
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage4
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage4

Please see the group certificate for specific information regarding covered benefits.  For Arizona residence, please review the policy exclusions and limitations for your state.

Hospital Indemnity Insurance

Offer a solution that provides:

  • Coverage for hospital admission and confinement for accidents and sickness9
  • Guaranteed coverage for employees, spouses, and children up to age 263
  • Benefit payments regardless of what’s covered by medical insurance
  • Lump-sum amount paid directly to the covered person to spend as they choose
  • Portability for continuation of coverage4

Please see the group certificate for specific information regarding covered benefits.  For Arizona residence, please review the policy exclusions and limitations for your state.

Information for Employees

If you're an employee, get the information you need to make Accident & Health Insurance decisions.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions. exceptions, waiting periods, reduction of benefits, limitations and terms for keeping them in force.

METLIFE'S ACCIDENT AND HOSPITAL INDEMNITY INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are 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 policies or their provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, 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 or GPNP13-HI 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.

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

The MetLife Cancer Insurance plan is based on the MetLife Critical Illness Insurance (CII) policy. MetLife Cancer Insurance includes only the Covered Conditions of Full Benefit Cancer and Partial Benefit Cancer.

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.   In most states, after a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits.  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 that increase’s 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. In New York, availability of MetLife's Issue Age CII product is pending regulatory approval.

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 expenses

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

2 There are annual limitations on the number of eye injuries and lacerations that will be covered.

3 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents 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.

5 Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount.  For NH-sitused groups and NH residents, there is an initial benefit of $100 for All Other Cancer.

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

7 Please review the Disclosure Statement for specific information about Alzheimer’s Disease.

8 In NJ sitused cases, the Covered Condition is Coronary Artery Disease.

9 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate.  See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

ADF# AI-CA-CI-HI1315.16