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Hospital Indemnity Insurance

Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.

A standard?hospital indemnity insurance plan may include:

  • Coverage for hospital admission, accident-related inpatient rehabilitation and hospital stays1
  • Guaranteed acceptance for you and other eligible family members2
  • Convenient payroll deduction
  • Portable coverage should you leave your employer3

For complete details of any plan you may be eligible for, talk to your company’s benefits administrator or contact MetLife for more information.

I want to learn more about hospital indemnity insurance.
Can hospital indemnity 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, copayments, and more.

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, for maximum convenience.

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

Staying in the hospital after an accident or illness 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 hospital indemnity insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively at work for your coverage to be effective.3?There 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

Learn about MetLife Accident & Health Insurance for your employees.