Critical Illness Insurance
Critical illness insurance provides a lump-sum payment to help provide you and your family financial support in a difficult time.
Lump-sum payment to use as you see fit for yourself and your family
Managing the emotional cost of illnesses like cancer1, a heart attack2 or a stroke3 is hard enough. Managing the financial cost as well can be overwhelming. Critical illness insurance provides a lump-sum payment to ensure you and your family have financial support in a difficult time. So, you can spend less time worrying about money and more time focusing on healing.
- You’ll receive a lump-sum payment upon verified diagnosis to use as you see fit
- Use it for prescriptions, deductibles, co-payments, experiential/non-traditional treatments and even non-medical expenses like everyday bills
- Pays out regardless of what your medical insurance covers
- Payments are paid directly to you, not to the doctors, to the hospitals or to the healthcare providers
Plan Details
Critical Illness Insurance FAQs
Yes, you can enroll both yourself and your eligible family members.4 All you need to do is enroll during the enrollment period and be actively at work.
One of the hardest parts of managing illnesses like cancer1, heart attack2, or stroke3 is providing the support and comfort your family needs beyond the cost of care. Even the best medical and disability income plans can leave you with extra expenses to pay or services that just aren’t covered. Things like medical plan deductibles and copays, or extra costs for out-of-network care. And if you’re out of work because of a disability, it might be that only some of your income is protected. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.
Yes. Your critical illness coverage is guaranteed,5 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.
VIDEO
Help reduce the financial impact of a serious illness
You can never be fully prepared for a major illness. But with critical illness insurance, you can be financially prepared.
1 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.
2 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.
3 In certain states, the Covered Condition is Severe Stroke.
4 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.
5 For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.
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 may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. 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 MetLife’s CII product 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 GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.
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.