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Accident Insurance

Group Accident Insurance complements your medical coverage by helping to ease the financial impact of an accident. It provides you with a payment to use as you see fit and can help with any of the out-of-pocket expenses you may incur as a result of an accident, such as insurance deductibles, copays, transportation to/from medical centers, childcare and more.

Accidents can happen anytime, anywhere. Today's active lifestyles may make you more susceptible, too. You can't plan for accidents, but you can be better prepared financially to handle them when they do occur. MetLife offers Accident Insurance so you can focus more on your recovery and less on your finances. There are over 150 covered events that could trigger benefits.


Here's a summary of what a standard plan covers under each benefit category. The types of benefits and features under a specific group accident insurance plan could vary.

  • Injuries
    1. Fractures
    2. Dislocations
    3. 2nd and 3rd Degree Burns
    4. Concussions
    5. Cuts/Lacerations
    6. Eye Injuries
    7. Coma
    8. Torn Knee Cartilage
    9. Broken Tooth
    10. Ruptured Disc
    11. And more… contact your benefits administrator for complete details.
  • Medical Services & Treatments
    1. Ambulance (ground and air)
    2. Emergency Care
    3. Non-Emergency Care
    4. Physician Follow-Up
    5. Therapy Services (including physical therapy)
    6. Medical Testing Benefit (including X-rays, MRIs and CT scans)
    7. Medical Appliances
    8. Inpatient Surgery
    9. Any more…contact your benefits administrator for complete details.
  • Hospital2 - Accident
    1. Admission
    2. Confinement
    3. Inpatient Rehab
  • Accidental Death
    1. Accidental Death
    2. Common Carrier3
  • Dismemberment, Loss & Paralysis
  • Supplemental Benefit for Lodging4


Accident coverage includes:

  • Guaranteed acceptance for you and other eligible family members5
  • Competitive group rates
  • Convenience of payroll deduction helps ensure continuous, worry-free coverage
  • Coverage that can go with you if your employment status changes6

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

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

2 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.

3 Common Carrier refers to airplanes, trains, buses, trolleys, subways and boats. A higher Accidental Death benefit applies to Common Carrier accidents.

4 The lodging benefit is not available in all states. It provides a benefit for lodging for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from insured’s primary residence.

5 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.

6 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 ACCIDENT 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 exclusion 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 contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

ADF# AI601.14

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