Accident Insurance

Accident insurance provides a lump sum payment for an accident regardless of any other insurance that you may have.

Enroll for accident insurance within 61 days of hiring or a qualifying life event, or during Open Enrollment.

Take comfort knowing you have financial support for accidents¹

When unexpected injuries lead to unexpected expenses, your accident insurance can provide money to help pay for expenses such as medical bills, transportation costs and childcare expenses.

You’ll receive a lump sum payment for a qualifying event to use as you see fit, paid directly to you
The plan pays no matter what your medical insurance covers
May cover accident-related events, such as: sports injuries, auto accidents, bicycle accidents, broken bones², knee injuries and falls

With group employee rates, you can get accident insurance coverage for less than the monthly cost of your daily medium cup of coffee.³

Here’s an example of how it works:

Kathy’s daughter, Molly, plays soccer. During a recent game, Molly collided with an opposing player, was knocked unconscious and taken to the local emergency room (ER) by ambulance for treatment. The ER doctor diagnosed a concussion and a broken tooth. He also ordered a CT scan. After thorough evaluation, Molly was released to her primary care physician for follow-up treatment, and her dentist repaired her broken tooth with a crown. Luckily, Kathy has accident insurance!

Covered Event¹	Benefit Amount
Ambulance (ground)	$400
Emergency Care	$200
Physician Follow-Up ($100x 2)	$200
Medical Testing	$200
Concussion	$500
Broken Tooth (repaired by crown)	$300
Benefits paid by MetLife Group Accident Insurance	$1,800

This example is for illustrative purposes only.
The benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.

Is Accident Insurance Right for Me?

Protection for Everyday Life

MetLife Accident Insurance covers over 150 events and services such as physical therapy, fractures, disclocations,² and medical treatments or tests resulting from an accident.¹

Lump Sum Hassle-free Payments to You

You'll receive a lump-sum payment for covered medical services such as ambulance costs and emergency care to help protect yourself and your budget.

Flexibility

One convenient payment provides you with a financial cushion to use how you want. Help pay for everyday expenses like grocery bills and childcare expenses.

¹ Covered services/treatments must be the result of an accident as defined in the certificate.

² Chip fractures may be paid at a reduced percentage of the Fracture Benefit and partial dislocations may be paid at a reduced percentage of the Dislocation Benefit

³ https://www.numbeo.com/cost-of-living/country_result.jsp?country=United+States Accessed January 2023.

⁴ 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.

⁵ 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.

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 may be 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.