Hospital Indemnity Insurance
Focus on healing, not on hospital expenses
If you’re admitted to the hospital3 for a planned or unexpected visit, MetLife’s Hospital Indemnity Insurance provides a lump-sum payment to use however you see fit.1
Hospital indemnity insurance benefits
Lump-sum payment
Paid directly to you — not hospitals or doctors — to spend on whatever you need
Guaranteed acceptance
No medical questions and no waiting period for you and eligible family members2
Financial support
Paid benefits for covered services and treatment4— regardless of what your medical insurance may cover
Coverage for care during your hospital stay
Even with medical insurance, a hospital stay can be costly. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more.
Hospital indemnity insurance can help with out-of-pocket costs while you’re in the hospital and recovering to help reduce the financial impact while you heal. With this supplemental plan from MetLife, you:
- Get competitive rates by enrolling through work
- Can take your coverage with you if you leave your job or retire4
Do you need hospital indemnity insurance?
Reasons to consider adding this supplemental plan to your insurance coverage lineup:
- You have a chronic health condition
- You have a family history of serious illnesses
- You have a planned procedure or surgery
- You're looking for additional financial reassurance and support
Did you know?
One of the leading causes of bankruptcy in the U.S. today is medical bills.6 In fact, the average per day cost of a hospital stay is around $2,883.7
Hospital Indemnity insurance pays regardless of what your medical insurance covers, reducing the financial burden of a hospital stay.
Help Alleviate Costs from Hospital Stays
Supplement your current health plan and help protect your finances with hospital indemnity 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.
Staying in the hospital after an accident or illness8 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 quickly. Having the financial support you may need when the time comes may mean less worry for you and your family.
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.
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 or illness, 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
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