Accident Insurance

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

Take comfort knowing you have financial support for accidents

When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.

  • You’ll receive a lump sum payment for a qualifying event to use as you see fit, paid directly to you
  • The plan pays no matter what your medical insurance covers
  • May cover accident-related events, such as: sports injuries, auto accidents, bicycle accidents, broken bones1, knee injuries and falls

With group employee rates, you can get accident insurance coverage for less than the monthly cost of your daily medium cup of coffee.2

Here’s an example of 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!


Benefit Amount4

Ambulance (ground)


Emergency Care


Medical Testing




Physician Follow-Up ($75x 2)


Broken Tooth (repaired by crown)


Kathy would get a lump-sum payment totaling $1,350

This example is for illustrative purposes only.
The benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.

Plan Details

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

Help Prepare for the Unexpected

If you’re injured in an accident, you can receive a lump-sum to use as you see fit with accident insurance.

Is Accident Insurance Right for Me?

1 Chip fractures are paid at 5% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.

2 Accessed January 2023.

3 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.

4 Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.

5 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.

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 may 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 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 may be 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.