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.

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 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 bones, knee injuries and falls

With group employee rates, you can get Accident Insurance coverage for less than the cost of your daily medium cup of coffee.1

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
High Plan.

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

View Plan Details (Spanish)

MetLife AdvantagesSM – Services or Discounts added at no additional cost to you or your members

Will Preparation Services1

As an added benefit your members will have access to MetLife’s online will preparation services provided by SmartLegalForms to create a binding will, living will or assign a power of attorney.

MetLife VisionAccess2

As an added benefit your members will have access to the MetLife Vision Access discount program. The program provides a discount on eye exams, glasses and frames, and laser vision correction when visiting a participating private practice.

Funeral Discount and Planning Services3

As an added benefit your members will have access to funeral discounts and planning services. Through Dignity Memorial, members and family members will have access to compassionate counselors as well as discounts on funeral services through the largest network of funeral homes and cemetery providers in North America.

Accident Insurance

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

Una lesión grave no afectó 

Lo último que esperaba Harper durante su carrera matutina era una pierna rota. Afortunadamente, tiene un seguro de accidentes. 

Is Accident Insurance Right for Me?

1 https://www.numbeo.com/cost-of-living/country_result.jsp?country=United+States
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.
MetLife.com