Critical Illness Insurance

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Critical Illness Insurance

We’ve seen the worst happen over the past few months. Be financially prepared for whatever comes next.

Medical insurance may not cover co-pays, deductibles, and treatments for illnesses, such as a stroke or heart attack. Learn more about critical illness insurance.

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Plan Highlights

Guaranteed family coverage1

Easy enrollment for you, your spouse or partner, and kids, plus hassle-free claims

Lump sum payment

Paid all at once directly to you to spend on anything you want, such as transport to the doctor or childcare expenses

Automatic payments

Deductions come out your paycheck, which means you don’t have think about it

Portable benefits2

Take your coverage with you, if you ever leave your employer

FAQs

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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.

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, co-pays for doctor visits, and extra costs for out-of-network care can add up fast. Having the extra financial support you may need when the time comes may mean less worry for you and your family. 

Payments will be paid directly to you, not to the doctors, not to the hospitals, or nor to the other healthcare providers. You will receive a check, payable to you. 

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.2

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. There are no medical exams to take and no health questions to answer.

Yes. Within 3 days of receipt, we’ll send a Claims Acknowledgment Letter. Also, you can choose to receive payments the way you want — electronic funds transfer or check.

Choose the Right Benefits

Answer a few quick questions, and we’ll provide recommendations for benefits that support your lifestyle and goals.

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Featured Article: 7 Things Medical Insurance May Not Cover If You Get Sick 

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Featured Video

Critical illness insurance might seem complex, until you have someone explain it to you in simple terms. See for yourself.

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1 Sourced from MetLife YouTube Video: Voluntary Benefits: Meaningful Conversations, Stephanie & Omrae, Critical Illness Insurance, Accessed January 2020

2 Children may be covered to age 26.  In some states, there are benefit reductions that begin at age 65.    

3 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. For CA sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of the employee's job at the employer's place of business or at an alternate place approved by the employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.

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 may vary by state. In most plans, there is a pre-existing condition exclusion. In most states, after a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits. MetLife offers CII on both an Attained Age and an Issue Age basis. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. MetLife’s Issue Age CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of that increase’s effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII 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 or GPNP14-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In New York, availability of MetLife's Issue Age CII product is pending regulatory approval. 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. ADF# CI1392.16