Hospital Indemnity Insurance
Hospital indemnity insurance can help you be more financially prepared.
Voluntary Benefit rates have been reduced. See your plan summary for new rates effective January 1, 2025
Help pay for out-of-pocket costs related to hospital stays
Unexpected hospital1 stays, or even a planned2 hospitalization, can lead to expenses that quickly add up. Even the best medical plans could leave you with expenses for services not covered. Hospital indemnity insurance pays you a benefit for covered events that you can use to help cover the costs you might not anticipate so you can focus more on recovering and less on how much the next test is going to cost.
- You’ll receive a lump sum payment to use as you see fit
- Pays regardless of what your medical insurance covers
- Coverage for hospital admission,3,4 stays and accident-related rehab (accidents only)3
Did you know the average per-day hospital cost in the U.S. is $2,883?5
IMPORTANT: This is a fixed indemnity policy, NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.
Plan Information
Lump-sum payment to use as you see fit for yourself and your family.
Useful Documents
To view detailed plan information, obtain ID cards and submit claims please visit: www.MyBenefits.metlife.com
Hospital Indemnity
Supplement your current health plan and help protect your finances with hospital indemnity insurance.
We’re here to answer any questions you may have on your new Voluntary Benefits options.
1 "Hospital" does not include certain facilities such as nursing homes, convalescent care or extended care facilities. Please consult your certificate for details.
2 There may be a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
3 The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details.
4 When the plan pays an Admission Benefit, the Confinement Benefit may begin to pay on Day 2.
5 Hospital and Surgery Costs. https://www.debt.org/medical/hospital-surgery-costs/ March 2023.
6 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.
7 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.
METLIFE'S HOSPITAL INDEMNITY 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 is a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may 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, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, 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.