Hospital Indemnity Insurance

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Hospital Indemnity Insurance

It’s scary enough being admitted into the hospital, so why worry about whether you’ll be able to cover unexpected expenses?

Hospital indemnity insurance benefits may include:

  • Coverage for hospital admission, accident-related inpatient rehabilitation, and hospital stays1
  • Guaranteed acceptance for you and eligible family members2
  • Convenient payroll deduction
  • Portable coverage should you decide to leave your current employer3

For complete details of the best plan for you and your family, talk to your company’s benefits administrator or contact MetLife directly for more information.

DID YOU KNOW?

One of the leading causes of bankruptcy in the US today is medical bills. Voluntary benefits can help you plan more efficiently.

Unexpected Hospital Visits

When Jeffrey’s daughter injured her arm at the playground, the quick trip to the hospital changed when she was admitted for surgery.

DID YOU KNOW?

An average hospital stay might cost $10,9004. Hospital Indemnity insurance pays regardless of what your medical insurance covers.

Need Help?

Log in to your MyBenefits account or access employer information.

SEE HER STORY
SEE HER STORY

Supplemental Insurance Is Important for All Situations

Carri understands that having a range of supplemental insurance products can help her be prepared for the unexpected with little extra effort.

FAQs

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Can Hospital Indemnity insurance be used to cover out-of-pocket costs?

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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 healthcare provider?

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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.

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

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Staying in the hospital after an accident or illness 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?

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Yes. If your employer offers hospital indemnity insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.2 There are no medical exams to take and no health questions to answer.

Is there a waiting period before my coverage begins?

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

Is the claims process simple?

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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.

NEXT STEPS

Contact your employer for more information.

1 Hospital does not include certain facilities such as nursing homes, convalescent care, or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

2 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.

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 Source: Agency for Healthcare Research and Quality. Healthcare Cost and Utilization Project (HCUP). 2005–2014. Statistical Brief #225. Updated June 2017. https://www.hcup-us.ahrq.gov/reports/statbriefs/sb225-Inpatient-US-Stays-Trends.pdf. Accessed August 2018.

METLIFE'S HOSPITAL INDEMNITY 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. There are benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies 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, GPNP13-HI, or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.