An accident can impact your health, but it can also damage your finances and affect how you live. MetLife Accident Insurance can help with your finances so you can focus on healing.
Help your finances stay healthy during your recovery
After experiencing an accident, you don’t need any more surprises, like finding out that your medical insurance plan may not cover some of your expenses.
With MetLife Accident Insurance, you can receive a lump-sum payment, paid directly to you, to use at your discretion. It can help with:
Injuries: such as fractures, dislocations, concussions, lacerations, eye- injuries, torn knee cartilage, raptured discs, and severe burns
Medical Services and Treatments: Includes ambulance, emergency care, therapy services, medical testing (including X-rays, MRIs, CT scans), medical appliances, and certain types of surgeries
Hospitalization: Hospital admission,4 confinement,4 and inpatient rehab5 after an accident1
Additional Benefits: For accidental death, dismemberment, loss, paralysis, supplemental benefit for lodging6
Did You Know?
58% of Americans are worried about being able to afford unexpected medical bills?7
Planning ahead can help relieve the burden of medical expenses.
Carroll’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.
Frequently Asked Questions
Can accident insurance be used to cover out-of-pocket costs?
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 healthcare provider
Payment are directly paid to you, not to the doctors, hospitals, or other healthcare provider, you will receive a check paid to you directly
I have a good medical plan at work. Why would I need additional coverage for accidents?
Accidents can happen any time, to anyone, 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 can mean less worry for you and your family.
Can I enroll in this insurance without having to take a medical exam?
Yes. If your employer offers accident insurance, your acceptance is guaranteed8, regardless of your health. You just need to be actively employed for your coverage to be effective. There are no medical exams to take and no health questions to answer.