Critical Illness Insurance complements your medical and disability income coverage, and can ease the financial impact of a critical illness by providing a lump-sum benefit to help you pay some of your additional expenses.
Thanks to advancements in modern medicine, chances of recovery from a critical illness like a heart attack, cancer, or stroke have greatly improved.1
Although most medical plans provide coverage for hospital and medical expenses arising from critical illnesses, there are still many expenses that are not covered, such as medical co-pays, transportation to treatment centers, childcare, and more-could your nest egg withstand the potential financial impact of a critical illness?
MetLife Critical Illness Insurance policies feature:
- A lump-sum benefit payment to use as you see fit
- Dependent coverage for your spouse/domestic partner and children2
- Convenient payment options
- No obligation to submit expense receipts
- Coverage that can go with you if you leave your employer
Critical Illness Insurance complements your medical and disability income coverage. It can ease the potential financial impact of certain critical illnesses by helping you pay for some of the expenses associated with a covered condition.
1 American Heart Association, Heart Disease and Stroke Statistics 2011; American Cancer Society, Cancer Facts & Figures 2012.
2 Coverage for domestic partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information.
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 offers CII on both an Attained Age and an Issue Age basis. MetLife's Issue Age CII product is guaranteed renewable, but is subject to benefit reductions that begin at age 65. Rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. 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 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. Please 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.