Even with good medical coverage, the cost of a hospital stay can really add up. MetLife’s Hospital Indemnity insurance provides you with a lump-sum payment to use as you see fit if you experience a covered event and meet the policy and certificate requirements. This payment can help you focus more on getting back on track and less on the extra expenses an accident or illness may bring.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
With over 145 years of experience, MetLife is a recognized leader in protection planning and retirement & savings solutions.
How can this help me?
Gives you the comfort to recover in confidence while avoiding the financial strain a hospital stay can cause.
MetLife Hospital Indemnity Insurance provides a lump-sum payment if you or a covered family member are hospitalized and meet the policy and certificate requirements.
Who can enroll?
You, your spouse and eligible children qualify for this coverage. You and your eligible family members just need to enroll during your employer's enrollment period and be actively at work for your coverage to be effective.
When can I enroll?
As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the annual enrollment period.
What if my employment status changes?
When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, or home billing.
Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.1
1Eligibility 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.
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 pre-existing condition exclusion for hospital sickness benefits. There are benefit reductions that begin at age 65. And, 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 or GPNP13-HI 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.