Hospital Indemnity

Hospital Indemnity  


If you are currently enrolled in the Hospital Indemnity plan and have any type of hospitalization due to COVID-19, you are eligible to file a claim for the Hospital Indemnity benefit. Pandemics are not an exclusion.



Even with good medical coverage, the cost of a hospital stay can really add up. MetLife’s Hospital Indemnity insurance provides you with a lump-sum payment to use as you see fit if you experience a covered event and meet the policy and certificate requirements. This payment can help you focus more on getting back on track and less on the extra expenses an accident or illness may bring.

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. There is a pre-existing condition exclusion for hospital sickness benefits. There are benefit reductions that begin at age 65. And, 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 or GPNP13-HI 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.


Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.
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Outline of Coverage
Plan Summary
Contact Us
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 6a-3p PT


How It Works: Example1,2


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


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • What is Hospital Indemnity Insurance?

    Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

    Features of Hospital Indemnity Insurance include:

    • Flexibility: You can use the benefit money for any purpose you like
    • Payroll deductions: Premiums paid through convenient payroll deductions
    • Affordable coverage: Rates are typically lower when you purchase coverage through your employer
    • Portable: Should you leave your current employer or retire, you can take the policy with you and select from a variety of payment plans
  • How can Hospital Indemnity Insurance help?

    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses, such as deductibles and copays
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible for Hospital Indemnity Insurance?

    • You—must meet actively-at-work definition
    • Your spouse/domestic partner* Coverage is available only if Employee coverage is elected
    • Your child(ren)— to age 26. Coverage is available only if Employee coverage is elected

    Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Please contact MetLife for more information.


3 Eligibility for portability through the Continuation of Insurance with the Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.


L0520004191[exp0521][All States][DC,PR] L0520004191[exp0521][All States][DC,PR]

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