Accident Insurance

Accident insurance provides a lump sum payment to help pay for expenses that medical insurance doesn’t cover if you are injured in an accident.

Help protect your finances.

Don't choose between getting the care you need after you are injured in an accident and helping keep your finances on track.

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Accident Insurance

Take comfort knowing you have financial support for accidents

When unexpected injuries lead to unexpected expenses, your accident insurance provides money to help pay for expenses such as medical bills, transportation costs and childcare expenses.

  • You’ll receive a lump sum payment to use as you see fit, paid directly to you
  • The plan pays no matter what your medical insurance covers
  • May cover accident-related events, such as: sports injuries, auto accidents, bicycle accidents, broken bones, knee injuries and falls

With group employee rates, you can get Accident Insurance coverage for less than the cost of your daily medium cup of coffee.4

Did you know 30.8 million annual ER visits are related to unintentional injuries?1

View plan details

Claims Process (PDF)

Covered Event5 Benefit Amount6
Ambulance (ground) $200
Emergency Care $150
Medical Testing $100
Concussion $200
Physician Follow-Up $50
Broken Tooth $50
Kathy would get a lump-sum payment totaling $750 with MetLife Accident Insurance High Plan.

Benefits paid by MetLife Accident Insurance HighPlan

Accident Insurance FAQs

Yes, you can enroll both yourself and eligible family members. All you need to do is enroll during your enrollment period, and be actively at work.

Accidents can happen anytime, anywhere and always when you least expect them. What’s more they can be costly. 

Even the best medical plans can leave you with extra expenses to pay for services that just aren’t covered. Things like plan deductibles, copays, extra costs for out-of-network care, or non-covered services. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your accident coverage is guaranteed2, regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Payments will be paid directly to you, not to the doctors, hospitals or any other health care providers. And to make things even easier, the check is made payable to you. There’s no need to work it around any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.

Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.3

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

1 Source: Centers for Disease Control and Prevention: Accidents or Unintentional Injuries. Emergency department visits. https://www.cdc.gov/nchs/fastats/accidental-injury.htm. Accessed August 2018.

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 Based on average costs at national retailchains.

5 Covered services/treatments must be the result of a covered accident or sickness as defined in the group policy/certificate. See the Outline of Coverage for more detail.

6 Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.

METLIFE'S ACCIDENT 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 are benefit reductions that begin at age 65, if applicable. Like most group accident and health insurance policies, policies offered by MetLife may include waiting periods and 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 or contact MetLife.

Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. 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.