While most medical plans provide coverage for hospital and medical expenses, they don’t typically cover costs like daily living expenses, childcare, or copays. A critical illness insurance policy can help with unexpected expenses.
- A lump-sum benefit payment to use as you see fit
- Guaranteed acceptance provided you are actively at work when you apply1
- Dependent coverage for your spouse or partner and children2
- No obligation to submit expense receipts
- Portable coverage should you leave your employer3
For complete plan details, talk to your company’s benefits administrator.
1Coverage 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. For CA sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of the employee's job at the employer's place of business or at an alternate place approved by the employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate.
2Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information.
3Eligibility 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 Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.
ADF# CI1392.16