Accident & Health Insurance
Help employees fill the gaps in medical coverage that can result in unexpected expenses and financial stress.
Our Products
Accident Insurance
Protection for life's unexpected moments.
Critical Illness
Financial support for employees when they, or a loved one, become seriously ill.
Hospital Indemnity
Help for unexpected expenses related to hospital stays2.
Cancer Insurance
Coverage so employees can focus on care, not cost.
Accidents happen.
With benefits that are simple to understand, we’ll help you provide a group Accident Insurance plan with these easy-to-use solutions:
When a family member receives a critical illness diagnosis, the burden can be physically, emotionally and financially overwhelming.
With benefits that are simple to understand, we’ll help you provide a Critical Illness Insurance benefit plan with these easy-to-use solutions:
Help protect employees from the out-of-pocket costs that often come with hospital stays, such as co-pays, deductibles, and out-of-network charges.
With benefits that are simple to understand, we’ll help you provide a Hospital Indemnity Insurance benefit plan with these easy-to-use solutions:
A sudden cancer6 diagnosis means your employee needs all the support they can get. Help provide financial support so they can stay focused on recovery and moving forward.
With benefits that are simple to understand, we’ll help you provide a Cancer Insurance benefit plan with these easy-to-use solutions:
Benefits for the Whole Employee
Creating choice is more important than ever for employee loyalty and job satisfaction.10
Real Life Stories
Real stories can help employees better understand benefits. Learn how accident insurance helped Mia protect her finances when she needed it most.
Coverage to Focus On What Matters
Broad coverage to help with the unexpected
Flexibility is always better when choosing benefits. Tailor supplemental insurance plans to supplement your employees’ lifestyles.
A quick and easy claims experience
Your employees are able to file claims flexibly and without worry. 97% of claims decisions are made within three days and are paid directly to the employee via convenient claim payment methods11.
An outstanding service experience
No age restrictions, waiting periods, or coordination with existing insurance. Enjoy a single source service set and additional services to plan ahead for the health and wellness of your workforce.
Backed by MetLife’s unmatched track record
MetLife is the largest single, nonmedical, commercial benefits carrier in the U.S.13 with over 2.5 million participants14 at over 80 Fortune 500 organizations15.
Employee Resources
Make Accident & Health Insurance decisions with confidence.
I want information specifically for…
1 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.
2 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.
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 may 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 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.
6 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.
7 In certain states, the Covered Condition is Severe Stroke.
8 Please review the Outline of Coverage for specific information about Alzheimer’s disease.
9 The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details. When plan includes an Admission Benefit, the Confinement Benefit begins on Day 2.
10 MetLife’s 20th Annual U.S. Employee Benefits Trends Study.
11 A clean claim is a claim submitted with all the required information necessary to process the claim; no missing information requiring additional follow up with the subscriber. It generally takes 10 business days to process "clean" claims.
12 Children may be covered to age 26. There are benefit reductions that may begin at age 65.
13 Based on in-force premiums and equivalents. LIMRA Voluntary Product Sales Report, 2Q 2022.
14 Based on MetLife 2019 internal data. Have the web page updated to 5 million.
15 2022 MetLife Market Research, FORTUNE 500®, May 2022. FORTUNE 500® is a registered trademark of FORTUNE® magazine, a division of Time, Inc.
METLIFE'S ACCIDENT (AX), HOSPITAL INDEMNITY (HI) AND CRITICAL ILLNESS (CII) INSURANCE POLICIES ARE LIMITED BENEFIT GROUP INSURANCE POLICIES. The policies are not intended to be a substitute for medical coverage providing benefits for medical treatment, including hospital, surgical, and medical expenses, and do not provide reimbursement for such expenses. Certain states may require the insured to have medical coverage to enroll in these policies. Like most group accident and health insurance policies, MetLife's AX, HI and CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. The policies may be subject to a Benefit Reduction Due to Age provision. For HI and AX, prior hospital confinement may be required to receive certain benefits, and there may be a pre-existing condition exclusion for hospital sickness benefits, if applicable. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. For CII, there may be a pre-existing condition exclusion, and a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s AX, HI and CII products can be found in the applicable Disclosure Statements or Outlines of Coverage/Disclosure Documents available at time of enrollment. For complete details of coverage and availability: for AX and HI, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG; and for CII, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.
ADF# AI-CA-CI-HI1778.17