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Accident and Health FAQs

I want to learn more about accident insurance.
What types of Accident & Health coverage does MetLife offer? Collapsed Expanded

We offer accident insurance, critical illness insurance, hospital indemnity insurance and cancer insurance to help you and your family be better prepared financially if an accident or serious illness occurs.

Who is eligible to enroll for these products? Collapsed Expanded

If your employer offers this benefit, you and your eligible family members are eligible to enroll for these coverages.1 You just need to enroll during your Enrollment Period and be actively at work for coverage to be effective.

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

Accidents and critical illnesses can happen anytime, 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 for these insurance plans without having to take a medical exam? Collapsed Expanded

Yes. These coverages are guaranteed issue, which means your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective.2There are no medical exams to take and no health questions to answer. 

Is there a waiting period before my coverage begins? Collapsed Expanded

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

Does this plan cover any other out-of-pocket costs? Collapsed Expanded

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

How do I pay for my supplemental accident or critical illness insurance? Collapsed Expanded

Premiums will be conveniently paid through payroll deduction, so you don't have to worry about writing a check or missing a payment.

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

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.

Is the claims process simple? Collapsed Expanded

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.