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Hospital Indemnity Insurance

Group Hospital Indemnity Insurance can complement your medical coverage by helping to ease the financial impact of a hospitalization. It provides a lump sum payment that can be used as you see fit for hospital admission, accident-related inpatient rehabilitation and hospital stays.1

Visits and stays at a hospital can be costly. With an average cost of $9,700 per stay in 2010 in the U.S.,2 it's easy to see why having hospital indemnity insurance makes good financial sense.

MetLife offers Hospital Indemnity Insurance so you can focus more on your recovery and less on your finances. If a covered family member is hospitalized due to an accident or illness and meets the group policy and certificate requirements, you will receive a payment to use as you see fit. It can be used to help cover your health insurance deductibles, copays, incidental hospital charge (i.e. TV, phone, etc.) or for any purpose you chose.


Covered Benefit Types

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.


 

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

 

  • Admission
  • Confinement
 

 

  • Admission
  • Confinement
 

 

  • Admission
  • Confinement
 

 

  • 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)4 - This benefit is provided if the covered insured takes one of the covered screening/prevention tests. It is payable 1 time per calendar year.
 

Hospital Indemnity Insurance Features

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.


METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition exclusion for hospital sickness benefits. There are benefit reductions that begin at age 65. Like most group accident and health insurance policies, polices offered by MetLife may include waiting periods and 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 GPNP12-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.

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

2 Statistical Brief #146, Healthcare Cost and Utilization Project, Agency for Healthcare Research Quality, 2013.

3 There is a preexisting exclusion for Hospital Sickness benefits in all states.

4 The Health Screening Benefit is not available in all states. In most states where the benefit is available there is a 30 day waiting period for the Health Screening Benefit.

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 in the Certificate. Some states require the insured to have medical coverage.


ADF# HI465.13