Hospital indemnity insurance can help you be more financially prepared for unexpected costs that may come from a hospital1 stay.
Unexpected hospital1 stays can lead to expenses that quickly add up. Even the best medical plans could leave you with expenses for services not covered. Hospital indemnity insurance provides you a benefit for a covered event that can help cover the costs you might not anticipate, so you can focus more on recovering and less on how much the next test is going to cost.
You’ll receive a lump-sum benefit payment to use as you see fit
Pays regardless of what your medical insurance covers
Coverage for hospital admission, stays and inpatient rehab may be included2
An unexpected hospital stay can happen at any time
However, you can help yourself be financially prepared and focus on getting well with hospital indemnity insurance.
Take your coverage with you
Your hospital indemnity insurance coverage is portable.3 That means if you change jobs or retire, you can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.
RESOURCES
You can access everything you need from our resources page. Click resources in the main navigation or visit resources.
1 “Hospital” does not include certain facilities such as nursing homes, convalescent care or extended care facilities. Please consult your certificate for details.
2 The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital) on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a Physician. Please consult your certificate for details.
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 There may be a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
5 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.
METLIFE'S HOSPITAL INDEMNITY 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. Prior hospital confinement may be required to receive certain benefits. There may be a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may 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, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.
