Accident Insurance
Focus on recovery—not on your finances.
Help alleviate the added costs that may result from an accident with MetLife Accident Insurance.
Accidents happen every 2 seconds at home and every 7 seconds on the road.1 And accidents can be expensive; each trip to the emergency room costs an average of $1,233.2 Expenses can add up quickly.
Protect your family’s budget by enrolling for MetLife Accident Insurance today. Here’s why:
- You get broad coverage
More than 150 events and services, such as fractures, 2nd & 3rd degree burns, and treatments resulting from an accident are covered. - Payments are made directly to you.
You decide how to spend the money: Pay for medical expenses not covered by your plan, like copays or deductibles, or for non-medical needs like household bills, childcare, or home modifications. - You won't be denied coverage
You and your eligible family members are guaranteed coverage, as long as you are actively at work.3 That means no medical exam and no hassle. - It’s less expensive than you may think.
Take advantage of colleague rates when applying for coverage through your employer.
How can having MetLife Accident Insurance benefit you?
- This plan provides a lump-sum payment for over 150 different covered events, such as these:
Fractures4, dislocations4, second and third degree burns, skin grafts, torn knee cartilage, ruptured disc, concussions, cuts/lacerations, eye injuries, coma, broken teeth. - You receive a lump-sum payment when you have these covered medical services/treatments:5
Ambulance, emergency care, inpatient surgery, outpatient surgery, medical testing benefits (including X-rays, MRIs, CT scans), physician follow-up visits, transportation, therapy services (including physical and occupational therapy, speech therapy).
This plan provides protection while off the job. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on your coverage.
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 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 |
BrokenTooth (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 results from an accident with MetLife Accident Insurance
Resources
Accident Insurance
You can’t always plan for accidents, but you can be better prepared financially.
Is Accident Insurance Right for Me?
Protection for Everyday Life
MetLife Accident Insurance covers over 150 events and services such as physical therapy, fractures, disclocations, 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 services 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.
Enroll during Open Enrollment
Enroll now
1 National Safety Council Injury Facts, 2015 Edition. Itasca, IL (based deaths and medically consulted injuries by class, 2013).
2 “Outrageous E.R. Hospital Charges: What to Do,” FoxBusiness.com. June 27, 2013.
3 Coverage is guaranteed provided (1) the colleague 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.
4 Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.
5 Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate.
See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.
6 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 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 is a preexisting condition limitation for hospital sickness benefits, if applicable. MetLife’s Accident Insurance may be subject to benefit reductions that begin at age 65. And, like most group accident and health insurance policies, polices 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 or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.