Hospital Indemnity Insurance

This is an overview of a sample MetLife Hospital Indemnity plan. Plan design and plan benefits may vary. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

Hospital Benefit - related to an Accident

• Admission
• Confinement
• Inpatient Rehab (paid per accident)

Intensive Care Unit Benefit - related to an Accident

• Admission
• Confinement

Hospital Benefit - related to a Sickness³

• Admission
• Confinement

Intensive Care Unit Benefit - related to a Sickness³

• Admission
• Confinement

Additional Benefits

• Lodging - This benefit is provided for a companion accompanying a covered insured while hospitalized. This benefit may be paid for up to 30 nights per calendar year. The lodging facility must be located within 50 miles from the covered person's primary residence.
• Health Screening (Wellness)³ - This benefit is provided if the covered insured takes one of the covered screening/prevention tests. It is payable 1 time per calendar year.

This insurance offers:

• Guaranteed acceptance for you and your eligible family members⁵
• Competitive group rates
• Convenience of payroll deduction helps ensure continuous, worry-free coverage
• Portable coverage if your employment status changes

If you would like to know more about Hospital Indemnity Insurance or have specific questions about your coverage and options, please contact your company's benefits administrator.

You are eligible to enroll yourself and your eligible family members such as spouse/domestic partner and dependent children. You just need to enroll during your Enrollment Period and be actively at work for coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth in the Certificate. Some states require the insured to have medical coverage.

Even quality medical plans can leave you with unexpected expenses to pay when you are hospitalized. Costs like plan deductibles, co-pays and co-insurance for doctor and emergency room care, testing and supplies, and extra costs for out-of-network care may not be covered. Many people aren't financially prepared to handle these extra costs. Having extra financial support if the time comes may mean less worry for you and your family, and give you the ability to protect your savings.

No. Your Hospital Indemnity Insurance is guaranteed issue, which means your acceptance is guaranteed, provided you enroll during the Enrollment Period and are actively at work and dependents to be covered are not under a medical restriction as set forth in the Certificate.⁷ Some states require the insured to have medical coverage.

Premiums will be conveniently paid through payroll deduction, so you don't have to worry about writing a check or missing a payment.

Payments will be paid directly to you,⁶ not to the doctors, hospitals or other health care providers. You will receive a check, payable to you, for maximum convenience. There is no coordination of benefits with any other insurance you may have.

Yes. This coverage is "portable," meaning you can take it with you if your employment status changes. Your coverage will only end if you stop paying your premium or if your current employer chooses to terminate the Group Hospital Indemnity Insurance Policy.

Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per admission or hospital stay and every claim is reviewed by a claims professional.