1 MetLife Accident and Critical Illness Impact Study, October 2013.
3 e-personalFinance.com, How Does Critical Illness Insurance Work, 2012.
4 New York Times Health Guide, 2011.
5 American Cancer Society, Cancer Facts and Figures 2013.
6 Please review the Outline of Coverage/Disclosure Document for specific information about cancer benefits.
7 For some types of cancer and Coronary Artery Disease, the insured may be eligible to receive 25% of the Category Benefit Amount. In certain states, the Covered Condition is Coronary Artery Bypass Graft. Not all Cancers are covered.
8 There is a lump sum payment of $250 which is not available in all states. See your OOC/Disclosure Statement for details.
9 In certain states, the Covered Condition is Severe Stroke.
10 In certain states, Heart Transplant is a Category 2 heart-related Covered Condition and Bone Marrow Transplant is a Category 1 cancer-related Covered Condition.
11 Coverage is guaranteed provided (1) the employee is actively at work and (2) any dependents to be covered are not under medical restriction as explained within your enrollment form and in the Certificate. Medical coverage is required. Additional restrictions apply to dependents serving in the armed forces or living overseas.
12 Your coverage will only end if you stop paying your premium or if the Group Policy ends.
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 is a preexisting condition exclusion. In some states there is a Benefit Suspension Period between Covered Conditions in different categories or a limit on the Total Benefit payments per calendar year. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. Rates are subject to change. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the 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 or contact MetLife for more information.
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.