Cancer Insurance is a great complement to your medical and disability income coverage, and can ease the financial impact of a cancer1 diagnosis by providing a lump-sum payment to help you pay some of your additional expenses.
A cancer diagnosis can mean unexpected expenses and out-of-pocket costs. Cancer Insurance can help you be financially prepared so you can focus more on getting swift and proper treatment and less on your reduced income or added expenses.
Even the best of health plans leave you with deductibles, copays and costs for out-of-network care. And since disability plans only cover a portion of your income, there could be a significant gap between your income and your family's everyday living expenses such as:
- Mortgage or rent
- Car payments
- Credit card bills or other debts
- Child care expenses, including education/tuition
MetLife Cancer Insurance policies feature:
- Guaranteed acceptance provided you are actively at work2
- Pays benefits for initial diagnosis
- Pays recurrence3 benefits if cancer returns
- Lump-sum payments
- An annual Health Screening Benefit4 (see your Certificate for details)
- Convenient payroll deduction
- Portable coverage that enables you to take it with you if your employment status changes5
- Easy claims processing
Cancer Insurance does not replace current medical insurance; rather, it provides a lump-sum payment if you or a covered family member is diagnosed with a covered cancer or a recurrence of cancer.
Help protect yourself, your family and your budget from the financial impact of a cancer diagnosis.
1 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.
2 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions 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. For CA sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of the employee's job at the employer's place of business or at an alternate place approved by the employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.
3 There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for a Full Benefit Cancer, a Partial Benefit Cancer or an All Other Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer, Partial Benefit Cancer or All Other Cancer (applicable to NH-sitused groups and NH residents) for which we paid an Initial Benefit during the Benefit Suspension Period. In some states, we will not pay a Recurrence Benefit for a Covered Condition that Recurs less than 180 days after another Occurrence of a Covered Condition for which we paid an Initial Benefit.
4 In most states there is a 30 day waiting period for the Health Screening Benefit. There is no waiting period for MD sitused cases. There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT.
5 See your certificate for 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 vary by state. There is a preexisting condition exclusion. There is a Benefit Suspension Period between Recurrences. MetLife's Issue Age CII product is guaranteed renewable, but may be subject to benefit reductions that begin at age 65. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable 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 GPNP14-CI or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, 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.