Accident Insurance

Stay financially protected as you recover from an accident

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.

Accident insurance benefits

Lump-sum payment

Covers over 150 events1 and paid directly to you to spend on what you need

No waiting period

Coverage takes effect on the effective date

Portable coverage

Take your coverage with you if you change employers or retire2

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 fractures3, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured 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.

Help prepare for the unexpected

If you’re injured in an accident, you can receive a lump-sum to use as you see fit with accident insurance.


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.

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.

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.

No. This supplemental 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.Only one claim form is needed per accident, and every claim is reviewed by a claims professional Also, you can choose to receive payments the way you want – electronic funds transfer or check.


Need help? Find answers to your questions below. 

1 Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details.

2 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

3 Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.

4 . 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.

5 Inpatient Rehabilitation Unit Benefit is standardly applied for covered Accidents only.  It is available as an add-on for Sickness

6 The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided that lodging is at least 50 miles from insured's primary residence.

7 “Americans’ Challenge with Health Care Costs” July 14, 2022. Accessed August 3, 2023

8 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. Additional restrictions may apply to dependents serving in the armed forces or living overseas.

9 Applies only to "clean" claims.  A clean claim is a claim submitted with all the required information necessary to process the claim; no missing information requiring additional follow up with the subscriber.  It generally takes 10 business days to process "clean" claims.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact MetLife or your plan administrator for costs and complete details.

METLIFE’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.