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Accident Insurance

Add accident insurance coverage to help pay for expenses that may not be covered under your employer's existing medical plan.

Accident insurance through your employer may include benefits for:

Injuries:?fractures,2 dislocations,2 concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, second and third degree burns

Medical services and treatments: ambulance, emergency care, therapy services, medical testing (including x-rays, MRIs, CT scans), medical appliances and certain types of surgeries

Hospitalization: hospital admission, confinement and inpatient rehab after an accident3

Additional benefits: accidental death, dismemberment, loss and paralysis; ?supplemental benefit for lodging4

Plus: guaranteed acceptance,5 payment through payroll deduction, portable coverage6

For complete plan details, talk to your company’s benefits administrator.

I want to learn more about accident insurance
Can accident insurance be used to cover out-of-pocket costs? Collapsed Expanded

Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, and copayments.

Are benefits paid directly to me or to my health care provider? Collapsed Expanded

Payments will be paid directly to you, not to the doctors, hospitals or other health care providers. You will receive a check, payable to you.

I have a medical plan at work. Why would I need additional coverage for accidents? Collapsed Expanded

Accidents can happen any time, to anyone and 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 means less worry for you and your family.

Can I enroll in this insurance without having to take a medical exam? Collapsed Expanded

Yes. If your employer offers accident insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective.5There are no medical exams to take and no health questions to answer.?

Is there a waiting period before my coverage begins? Collapsed Expanded

No. This supplemental Insurance will be effective on the date of your coverage as long as you are actively at work. There are no waiting periods to satisfy.

Is the claims process simple? Collapsed Expanded

Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident and every claim is reviewed by a claims professional.

Employers and HR Professionals

Request information on MetLife Accident & Health Insurance for your employees.