Why do I need accident insurance?

Accident insurance provides you with a one-time, lump-sum payment to use at your discretion for designated accidents like concussions or broken bones. It’s designed as a supplemental plan, meaning it’s to be used in conjunction with, but not a replacement for, a regular health insurance plan.

What is the meaning of accident insurance?

Accident insurance is a type of insurance where the policy holder is paid directly in the event of an accident resulting in injury of the insured . The insured can spend the benefit payment however they choose. Accident insurance is complementary to, not a replacement for, health insurance .

What is considered an accidental injury?

Accidental injury as the name suggest delineates all those types of injuries which are the outcome of an unforeseen and unfortunate mishap. Falls, cuts, burns, road accidents, bites, stings and drowning are examples of accidental injuries . Such injuries are covered under individual personal accident insurance.

What is covered under Metlife accident insurance?

This insurance provides you with a lump-sum payment after an accident to use as you see fit. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and childcare expenses. For complete plan details, talk to your company’s benefits administrator.