Accident Insurance
Accident insurance provides a lump-sum payment to help pay for expenses regardless of what any other insurance covers if you are injured in an accident.
Take comfort knowing you have financial support for accidents
When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.
- You’ll receive a lump sum payment to use as you see fit, paid directly to you
- The plan pays no matter what your medical insurance covers
- May cover accident-related events, such as: sports injuries, auto accidents, bicycle accidents, broken bones, knee injuries and falls1
With group employee rates, you can get accident insurance coverage for less than the cost of your daily medium cup of coffee.2
Here's how it works:
Kathy’s daughter, Molly, plays soccer. During a recent game, Molly collided with an opposing player, was knocked unconscious and taken to the local emergency room (ER) by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He also ordered a CT scan. After a thorough evaluation, Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Luckily, Kathy has accident insurance!
Coverages2 |
Benefit Amount3 |
|---|---|
Ambulance (ground) |
$300 |
Emergency Care |
$100 |
Medical Testing |
$200 |
Concussion |
$400 |
Physician Follow-up ($75x 2) |
$150 |
Broken Tooth (repaired by crown) |
$200 |
Kathy would get a lump-sum payment totaling $1,350 with MetLife Accident Insurance |
|
This example is for illustrative purposes only.
Benefits paid by MetLife Accident Insurance High Plan.
Plan Details
You can help alleviate the added cost that may result from an accident with MetLife Accident Insurance.
Accident Insurance FAQs
Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during your enrollment period, and be actively at work.
Accidents can happen anytime, anywhere and always when you least expect them. Plus, they can be costly.
Even the best medical plans can leave you with expenses for services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these costs, so having this additional financial support when the time comes may mean less worry for you and your family.
Yes. Your accident coverage is guaranteed4, regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you think.
Payments will be paid directly to you, not to the doctors, hospitals or any other health care providers. And to make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.
Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.5
Yes, you can use your payment as you see fit. Use it to help cover your medical insurance deductibles, copays, household bills, and more.
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Is accident insurance right for me?
Protection for everyday lump-sum hassle-free payments to you
MetLife Accident Insurance covers over 150 events and services such as physical therapy, fractures6, dislocations6, and medical treatments or tests resulting from an accident.
Lump-sum hassle-free payments to you
You'll receive a lump-sum payment for covered medical services1 such as ambulance costs and emergency care to protect yourself and your budget.
Flexibility
One convenient payment provides you with a financial cushion to use how you want. Help pay for everyday expenses like grocery bills and childcare expenses.
1 Covered services/treatments must be the result of an accident or sickness as defined in the certificate.
2 https://www.numbeo.com/cost-of-living/country_result.jsp?country=United+States Accessed February 2025.
3 Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.
4 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.
5 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.
6 Chip fractures may be paid at a reduced percentage of the Fracture Benefit and partial dislocations may be paid at a reduced percentage of the Dislocation Benefit.
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 are benefit reductions that begin at age 65, if applicable. Like most group accident and health insurance policies, policies 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 contact MetLife.
Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. 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.