Critical Illness Insurance
Recover with fewer financial worries
If you’ve been diagnosed with a critical illness or condition, worrying about your finances during recovery can be overwhelming. MetLife Critical Illness Insurance can help alleviate the financial burden that an unexpected illness can bring, so you can focus on your recovery instead of on your bills.
Critical illness insurance coverage benefits
Lump-sum payment
Paid directly to you to spend it as you see fit
Financial support
Paid benefits — regardless of what your medical insurance may cover
Guaranteed coverage1
Coverage for you and family members2, regardless of your health
Coverage that’s built around you
Even with medical insurance, a serious illness can be expensive. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more. Critical illness insurance coverage can help with costs while you recover. With this supplemental plan from MetLife there is:
- No waiting period for services — you can begin using them immediately after coverage begins.
- The ability to take your coverage with you if you change jobs or retire3
- A simple and quick enrollment process that only takes a few minutes and with no health questions.
Do you need critical illness insurance policy?
Reasons to consider adding this plan to your insurance coverage lineup:
- You have a personal or family history of serious illness or a medical condition such as cancer,4 heart attack,5 or stroke6
- You need dependent coverage for your spouse or children
- You're looking for additional financial reassurance and support
Did You Know?
Medical bills are a leading cause of bankruptcy in the United States.7
Critical illness insurance can help you be financially prepared in case of a serious illness.
Help Reduce the Financial Impact of a Serious Illness
Critical illness insurance can help you be financially prepared for a major illness.
FAQs
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.
Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.
Critical illnesses can happen 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.8
Yes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.1 There are no medical exams to take and no health questions to answer.
No. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.
Yes. Once all the required information is received, claims are generally processed within 10 business days. Also, you can choose to receive payments the way you want – electronic funds transfer or check.
Resources
Need help? Find answers to your questions below.
