Hospital Indemnity Insurance

Focus on healing, not on hospital expenses

If you’re admitted to the hospital3 for a planned or unexpected visit, MetLife’s Hospital Indemnity Insurance provides a lump-sum payment to use however you see fit.1

Hospital indemnity insurance benefits

Lump-sum payment

Paid directly to you — not hospitals or doctors — to spend on whatever you need

Guaranteed acceptance

No medical questions and no waiting period for you and eligible family members2

Financial support

Paid benefits for covered services and treatment4— regardless of what your medical insurance may cover

Coverage for care during your hospital stay

Even with medical insurance, a hospital stay can be costly. 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.

Hospital indemnity insurance can help with out-of-pocket costs while you’re in the hospital and recovering to help reduce the financial impact while you heal. With this supplemental plan from MetLife, you:

  • Get competitive rates by enrolling through work
  • Can take your coverage with you if you leave your job or retire4

Do you need hospital indemnity insurance?

Reasons to consider adding this supplemental plan to your insurance coverage lineup: 

  • You have a chronic health condition
  • You have a family history of serious illnesses
  • You have a planned procedure or surgery
  • You're looking for additional financial reassurance and support

Did you know?

One of the leading causes of bankruptcy in the U.S. today is medical bills.6 In fact, the average per day cost of a hospital stay is around $2,883.7


Hospital Indemnity insurance pays regardless of what your medical insurance covers, reducing the financial burden of a hospital stay.

Help Alleviate Costs from Hospital Stays

Supplement your current health plan and help protect your finances with hospital indemnity 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.

Staying in the hospital after an accident or illnesscan 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 quickly. Having the financial support you may need when the time comes may mean less worry for you and your family.

Yes. If your employer offers hospital indemnity insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.2 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.9 Only one claim form is needed per accident or illness, 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 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.

2 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 apply to dependents serving in the armed forces or living overseas

3 Hospital does not include certain facilities such as nursing homes, convalescent care, or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

4 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. 

5 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

6 Medical Bankruptcy and the Economy, January 20, 2022., Accessed July 2023

7 Kaiser Family Foundation Data Note: "Americans' Challenges with Health Care Costs" July 14, 2022., Accessed July 2023 

8 There may be a pre-existing exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

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.   

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