Contact MetLife: All fields are required

By clicking Submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.
Error!
An error occured while submitting your information.

CALL: 1-800-METLIFE

Accident Insurance

Add accident insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.

Accident insurance through your employer may include benefits for:

  • Injuries: fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, second and third degree burns
  • Medical services and treatments:  ambulance, emergency care, therapy services, medical testing (including x-rays, MRIs, CT scans), medical appliances and certain types of surgeries
  • Hospitalization: hospital admission, confinement and inpatient rehab after an accident2

  • Additional benefits: accidental death, dismemberment, loss and paralysis;  supplemental benefit for lodging3
  • Plus: guaranteed acceptance, convenient payroll deduction, portable coverage4,5

For complete plan details, talk to your company’s benefits administrator.

I want to learn more about accident insurance.
Video
FAQs
Can accident insurance be used to cover out-of-pocket costs?

Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments and more.

Are benefits paid directly to me or to my health care provider?

Payments will be paid directly to you, not to the doctors, hospitals or other health care providers. You will receive a check, payable to you, for maximum convenience.

I have a good medical plan at work. Why would I need additional coverage for accidents?

Accidents can happen any time, to anyone and when you least expect them – and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.

Can I enroll in this insurance without having to take a medical exam?

Yes. If your employer offers accident insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective.5There are no medical exams to take and no health questions to answer. 

Is there a waiting period before my coverage begins?

No. This supplemental Insurance will be effective on the date of your coverage as long as you are actively at work. There are no waiting periods to satisfy.

Is the claims process simple?

Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident and every claim is reviewed by a claims professional.

Employers and HR Professionals
Request information on MetLife Accident & Health Insurance for your employees.
GO

Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

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.

The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from insured's primary residence.

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.

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. There are 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. 

ADF# AI601.14