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
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.
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.