The following information and benefits chart have been supplied by MetLife to describe their Hospital Indemnity Insurance Plan.

MetLife Hospital Indemnity Insurance

Hospital Indemnity Insurance can help you be better prepared by providing you with a payment to use as you see fit if you experience a covered event and meet the policy and certificate requirements. Typically, a flat amount is paid for hospital admission and a per-day amount is paid for each day of a covered hospital stay, from the very first day of your stay.

You must be actively at work on the effective date of insurance. If you are not, your insurance coverage will not take effect until you return to work. If you cover a dependent, your dependent must not be confined at home under a physician’s care, receiving or applying for disablity benefits from any source, or hospitalized in order for the insurance to take effect.  You may cancel this coverage at any time during the year by emailing benefits@choc.org. Upon termination of employment, this coverage ends on the date of termination.

Here are some of the covered benefits/services when an accident or illness puts you in the hospital.¹

Benefit Type2	Insurance Pays
Hospital Coverage (Accident)
Admission: must occur within 180 days after the accident	$1,000 per accident (non-ICU) $1,000 per accident (ICU)
Confinement: must occur within 180 days after the accident	$100 a day (non-ICU) for up to 31 days $100 a day (ICU) for up to 31 days
Inpatient Rehab: stay must occur immediately following hospital confinement and occur within 365 days of accident	$100 a day, up to 15 days per accident and 30 days per calendar year
Hospital Coverage (Sickness)3
Admission: Payable 1x per calendar year	$1,000 (non-ICU) $1,000 (ICU)
Confinement: Paid per sickness	$100 a day (non-ICU) for up to 31 days $100 a day (ICU) for up to 31 days
Other Benefits
Health Screening (Wellness) benefit provided if the covered insured takes one of the covered screening/prevention tests   Payable 1x per calendar year	$50

¹Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities.  See the Outline of Coverage for full details.
²Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate.  See the Outline of Coverage for more details.
³There is a preexisting condition exclusion for covered sicknesses.  See the Outline of Coverage for more details.

METLIFE’S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage.  MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may include waiting periods and contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please contact MetLife.