Accident Insurance
Stay financially protected as you recover from an accident
An accident can impact your health, but it can also damage your finances and affect how you live. MetLife Accident Insurance can help with your finances so you can focus on healing.
Accident insurance benefits
Lump-sum payment
Covers over 150 events1 and paid directly to you to spend on what you need
No waiting period
Coverage takes effect on the effective date
Portable coverage
Take your coverage with you if you change employers or retire2
Help your finances stay healthy during your recovery
After experiencing an accident, you don’t need any more surprises – like finding out that your medical insurance plan may not cover some of your expenses.
With MetLife Accident Insurance, you can receive a lump-sum payment, paid directly to you, to use at your discretion. It can help with:
- Injuries: such as fractures3, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns
- Medical Services and Treatments: Includes ambulance, emergency care, therapy services, medical testing (including X-rays, MRIs, CT scans), medical appliances, and certain types of surgeries
- Hospitalization: Hospital admission,4 confinement,4 and inpatient rehab5 after an accident1
- Additional Benefits: For accidental death, dismemberment, loss, paralysis, supplemental benefit for lodging6
Did You Know?
58% of Americans are worried about being able to afford unexpected medical bills?7
Planning ahead can help relieve the burden of medical expenses.
Help prepare for the unexpected
If you’re injured in an accident, you can receive a lump-sum to use as you see fit with accident insurance.
FAQs
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.
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.
Accidents can happen any time, to anyone, 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, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes can mean less worry for you and your family.
Yes. If your employer offers accident insurance, your acceptance is guaranteed8, 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.
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.
Yes. Once all the required information is received, claims are generally processed within 10 business days.9 Only one claim form is needed per accident, and every claim is reviewed by a claims professional Also, you can choose to receive payments the way you want – electronic funds transfer or check.
Resources
Need help? Find answers to your questions below.
