Group Accident Insurance

Accidents can happen anytime, anywhere and always when you least expect them.

What’s more, they can be costly. MetLife’s Group Accident Insurance offers coverage to your employees and their families to cover life’s unexpected events and is an economical way to supplement your current health care offering.

Group Accident Insurance provides coverage for specific accidental injuries and helps offset expenses not reimbursed by other types of insurance. It is not a replacement for traditional medical or disability income insurance, rather, it is a complement to these coverages.

Provides lump-sum payment when a covered person has medical services and treatments related to accidental injuries, such as certain doctor visits, ambulance transportation, medical testing and physical therapy

Helps protect employees’ savings from substantial unexpected expenses

Covers employees and their families for a wide variety of accidental injuries

Basic Plan Features

Coverage begins immediately – no waiting periods

Pay premiums through your payroll deductions

Payments paid directly employees

Employees can use payments as they see fit to cover medical expenses, household bills and more

Covers over 150 events

Events Covered


  • Fractures/Dislocations
  • Concussion
  • Coma
  • Ruptured Disc
  • Torn Cartilage in Knee
  • Cuts/Lacerations
  • Torn/Ruptured Severed Tendon/Ligament
  • Broken Tooth

Medical Services & Treatments

  • Air/Ground Ambulance
  • Physician Follow-Up
  • Transportation
  • Medical Testing
  • Therapy Services
  • Pain Management
  • Blood/Plasma/Platelets
  • Inpatient Surgery
  • Outpatient Ambulatory Surgery
  • And more

Accidental Death

  • Accidental Death
  • Common Carrier

Hospital – Accident

  • Admission
  • Confinement
  • Admission – ICU
  • Confinement – ICU
  • Inpatient Rehab Unit

Dismemberment, Loss & Paralysis

  • Dismemberment & Loss
  • Catastrophic Dismemberment & Loss
  • Paralysis

Additional Benefits

  • Lodging

Additional Benefits Support

Employee benefits communication & education

Annual Rate Review

Open enrollment administration

Research employee benefits questions

Employee eligibility, change tracking & processing

Annual benefit comparison

Benefit plan premium reconciliation & payment

Automatic Payroll Deduction

Why You Should Enroll

Now that you know how accident insurance can help, take a few minutes to learn more and enroll today

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