Hospital Indemnity Insurance

Hospital Indemnity Insurance

Hospital indemnity insurance can help you be financially prepared


Hospital stays are costly and are often unexpected. 

Since most health care plans don’t cover all of your expenses, you need to take steps to help protect yourself and your savings.

Studies show that the average cost of a three-day hospital stay in the U.S. is $30,000.2 This is why having hospital indemnity insurance makes good financial sense.

A hospital stay can require a variety of treatments, tests, therapies and other care and services to assist in recovery. Each of these services may mean extra out-of-pocket costs for you to pay, beyond what your medical plan may cover, including medical plan deductibles and copayments, and extra expenses associated with out-of-network care and treatment.

Other household expenses may be harder to cover due to lost or reduced income,
like your mortgage, car payment, child care or household upkeep while you recover.

Hospital indemnity insurance can help you be better prepared by providing you with a payment to use as you see fit if you experience a covered event and meet the policy and certificate requirements. Typically a flat amount is paid for hospital admission and a per-day amount is paid for each day of a covered hospital stay, from the very first day of your stay. This payment can help you focus more on getting back on track and less on the extra expenses an accident or illness may bring.

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

How can having MetLife Hospital Indemnity Insurance benefit you?

Access to benefits for hospitalization due to accidents and sicknesses:2

  • Admission to a hospital
  • Intensive Care Unit stays
  • Hospital stays
  • Inpatient Rehab Unit stays (accidents only)
  • Admission to an Intensive Care Unit

Actual plan design and plan benefits may vary. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details on the coverage types, amounts and premium options under your plan. 

Plan Details

Lump-sum payment to use as you see fit for yourself and your family.

Hospital Indemnity

In an emergency, there’s little time to worry about hospital bills. With hospital indemnity insurance, you don’t have to.

1 Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

2 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.

3 Source: Agency for Healthcare Research and Quality. Healthcare Cost and Utilization Project (HCUP). 2005–2014. Statistical Brief #225. Updated June 2017. Accessed August 2018.

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 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.