Hospital Indemnity Insurance

It’s scary enough being admitted into the hospital, so why worry about whether you’ll be able to cover unexpected expenses?

Hospital indemnity insurance benefits may include:

  • Coverage for hospital admission, accident-related inpatient rehabilitation, and hospital stays1
  • Guaranteed acceptance for you and eligible family members2
  • Convenient payroll deduction
  • Portable coverage should you decide to leave your current employer3

For complete details of the best plan for you and your family, talk to your company’s benefits administrator or contact MetLife directly for more information.


One of the leading causes of bankruptcy in the US today is medical bills.* Voluntary benefits can help you plan more efficiently.

Help Alleviate Costs from Hospital Stays

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


The average cost of a 3-day hospital stay is around $30,000.4 Hospital Indemnity insurance pays regardless of what your medical insurance covers.

Need Help?

Log in to your MyBenefits account or access employer information.



Supplemental Insurance Is Important for All Situations

Carri understands that having a range of supplemental insurance products can help her be prepared for the unexpected with little extra effort.


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 illness 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.

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 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.


Contact your employer for more information.

1 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.

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 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.

4 Source: Protection from high medical costs. Accessed September 2021.

* Medical  Bankruptcy and the Economy, November 19, 2019. Accessed May 2020.

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. 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.