MetLife Accident Insurance

MetLife Accident Insurance

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Accident insurance through MetLife provides a financial cushion for life’s unexpected events by helping you pay for costs that aren’t covered by your medical plan. It provides you with a lump-sum payment—one convenient payment all at once—when you or your family need it most. The extra cash can help you focus on getting back on track, without worrying about finding the money to help cover the costs of treatment.

Coverage Details

Choose from two options: the Low Option and the High Option. The chart below shows a range of benefits paid for some types of injuries received as a result of a covered accident.  This is not a Texas Health sponsored or maintained plan. See the Accident Insurance Overview for a brief summary of what the policy will pay. View the rates for this benefit here.

 

Injuries Received in a Covered Accident Pay You Receive*
Low Option High Option
Fractures

$160 – $4,000

$240 – $6,000
Dislocations

$120 – $3,000

$200 – $5,000
Second and Third Degree Burns

$50 – $10,000

$100 – $20,000
Concussions $200 $300
Cuts/Lacerations $25 – $200 $40 – $320
Puncture Wound $25  $50
Eye Injuries $200 $240
Dismemberment, Loss & Paralysis $625 – $15,000 $625 – $40,000
Employee’s Accidental Death $50,000
$150,000 for common carrier		 $80,000
$200,000 for common carrier

*Amounts differ based on variables like the type of injury, body part(s) affected, treatment needed, etc.

The policy also pays benefits when you receive certain services as a result of a covered accident. The chart below shows some examples.

Services & Expenses Due
to Covered Accident*		 Pay You Receive
Low Option High Option
Hospital Admission

$750 (non-ICU)
$1,500 (ICU)

$1,200 (non-ICU)
$2,400 (ICU)
Hospital Confinement per Day

$150 (non-ICU)
$300 (ICU)

$225 (non-ICU)
$450 (ICU)
Emergency Care $25 – $100 $40 – $125
Inpatient Rehabilitation per Day $100 $200
Ambulance / Air Ambulance $200 / $750 $240 / $800
Medical Testing $100 $180
Inpatient Surgery $100 – $1,000 $160 – $1,600

*Amounts differ based on variables like the type of injury, body part(s) affected, treatment needed, etc.

WHO IS ELIGIBLE

All benefits-eligible employees are eligible to enroll. Employees must be actively at work on the date of application and the effective date of coverage. A spouse must not be hospitalized or unable to perform his or her normal duties or activities on that date of application and the effective date of coverage.

How it Works

Please provide a date and complete description of your accident. You can provide this information in the designated space on the claim form.

If the accident resulted from the use of a motor vehicle(s), a copy of the police or accident report is required. If your injury occurred on the job, a first report of injury filed with your employer must be attached to the completed claim form.

If you were first treated in an emergency room, a copy of the hospital discharge papers is required to verify the first date of treatment, diagnosis, and procedure.

Please include all dates of treatment and charges incurred due to the accident.

More Information