Accident Insurance

Accident Insurance

Accident insurance provides a lump sum payment to help pay for expenses that medical insurance may not cover if you are injured in an accident.

Accidents can happen when you least expect them. And while you can’t always prevent them, you can get help to make your recovery less expensive and stressful.

What is Accident Insurance?

Accident insurance provides a financial cushion for life’s unexpected events. You can use it to help pay costs that aren’t covered by your medical plan. It provides you with a lump-sum payment —one convenient payment all at once — when you or your family need it most.  The extra cash can help you focus on getting back on track, without worrying about finding the money to help cover the costs of treatment.  

  • 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 employee rates when applying for coverage through your employer.

Visit MyBenefits to file a claim or view your benefits information.

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:
    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 24 hours a day — while on or off the job. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on your coverage.

Plan Details

You can help alleviate the added cost that may results from an accident with MetLife Accident Insurance

Accident Insurance

You can’t always plan for accidents, but you can be better prepared financially.

Is Accident Insurance Right for Me?

Accessed May 2021.

2 Covered services/treatments must be the result of a covered accident or sickness as defined in the group policy/certificate. See the Outline of Coverage for more detail.

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.

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.