Critical Illness Insurance

Recover with fewer financial worries

If you’ve been diagnosed with a critical illness or condition, worrying about your finances during recovery can be overwhelming. MetLife Critical Illness Insurance can help alleviate the financial burden that an unexpected illness can bring, so you can focus on your recovery instead of on your bills.

Critical illness insurance coverage benefits

Lump-sum payment

Paid directly to you to spend it as you see fit

Financial support

Paid benefits — regardless of what your medical insurance may cover

Guaranteed coverage1

Coverage for you and family members2, regardless of your health

Coverage that’s built around you

Even with medical insurance, a serious illness can be expensive. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more. Critical illness insurance coverage can help with costs while you recover. With this supplemental plan from MetLife there is:

  • No waiting period for services — you can begin using them immediately after coverage begins.
  • The ability to take your coverage with you if you change jobs or retire3
  • A simple and quick enrollment process that only takes a few minutes and with no health questions.

Do you need critical illness insurance policy?

Reasons to consider adding this plan to your insurance coverage lineup:

  • You have a personal or family history of serious illness or a medical condition such as cancer,4 heart attack,or stroke6
  • You need dependent coverage for your spouse or children
  • You're looking for additional financial reassurance and support

Did You Know?

Medical bills are a leading cause of bankruptcy in the United States.7

Critical illness insurance can help you be financially prepared in case of a serious illness.

Help Reduce the Financial Impact of a Serious Illness

Critical illness insurance can help you be financially prepared for a major illness.


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.

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

Critical illnesses can happen 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.8

Yes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.1 There are no medical exams to take and no health questions to answer.

No. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.

Yes. Once all the required information is received, claims are generally processed within 10 business days. Also, you can choose to receive payments the way you want – electronic funds transfer or check.


Need help? Find answers to your questions below. 

1 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. For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer 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.

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

3 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.

4 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.

5 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.

6 In certain states, the Covered Condition is Severe Stroke.

7 Medical Bankruptcy and the Economy, January 20, 2022. Accessed July 2022.

8 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information.

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.