Hospital Indemnity Insurance

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Hospital Indemnity Insurance

The insurance you could use if you end up in the hospital.

Dealing with the financial strain of hospital bills—plus additional costs you didn’t anticipate—can make your recovery even more difficult. Learn more about hospital indemnity insurance.

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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.

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.

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 or child care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.

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.

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.

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.



How to Be Prepared for Hospital Expenses

Hospital bills can be more expensive than you think. See how hospital indemnity insurance can help you be more prepared financially.

Featured Video    

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


An average hospital stay might cost $10,9005. Hospital indemnity insurance pays regardless of what your medical insurance covers.



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.


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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 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate.  See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

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.

4 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.

5 Source: Agency for Healthcare Research and Quality. Healthcare Cost and Utilization Project (HCUP). 2005–2014. Statistical Brief #225. Updated June 2017. 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.

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