Critical Illness Insurance
Critical illness insurance provides a lump sum payment to help provide you and your family financial support in a difficult time.
Lump sum payment to use as you see fit for yourself and your family
Managing the emotional cost of illnesses like cancer, a heart attack or a stroke* is hard enough. Managing the financial cost as well can be overwhelming. Critical illness insurance provides a lump sum payment to ensure you and your family have financial support in a difficult time. So, you can spend less time worrying about money and more time focusing on healing.
- You’ll receive a lump sum payment upon verified diagnosis to use as you see fit
- Use it for prescriptions, deductibles, co-payments, experiential/non-traditional treatments and even non-medical expenses like everyday bills
- Pays out regardless of what your medical insurance covers
- Payments are paid directly to you, not to the doctors, to the hospitals or to the healthcare providers
Plan Details
Lump sum payment to use as you see fit for yourself and your family
MetLife AdvantagesSM – Services or Discounts added at no additional cost to you or your members
Will Preparation Services1
As an added benefit your members will have access to MetLife’s online will preparation services provided by SmartLegalForms to create a binding will, living will or assign a power of attorney.
MetLife VisionAccess2
As an added benefit your members will have access to the MetLife Vision Access discount program. The program provides a discount on eye exams, glasses and frames, and laser vision correction when visiting a participating private practice.
Funeral Discount and Planning Services3
As an added benefit your members will have access to funeral discounts and planning services. Through Dignity Memorial, members and family members will have access to compassionate counselors as well as discounts on funeral services through the largest network of funeral homes and cemetery providers in North America.
Documents
Help protect your health
You can never be fully prepared for a major illness. But with critical illness insurance, you can be financially prepared.
Ayude a proteger
Nunca puede estar completamente preparado para una enfermedad grave. Pero con el seguro contra enfermedades graves
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.