The critical illness benefit through MetLife is automatically provided to participants that enroll in the HSP medical plan and may be purchased by employees in the HRP plan or by those who waive medical coverage.
The rate for employees who purchase coverage is based on their age when enrolled. This $3,000 benefit provides you and your covered dependents with financial assistance when certain illnesses occur. Covered health conditions include, but are not limited to: cancer, heart attack, stroke, and kidney failure.
A complete list of covered conditions and benefit payout amounts can be found in the document below. Critical Illness is not intended to be a substitute for medical coverage.
To file a critical illness claim, log into your account at www.metlife.com/mybenefits.
Accident & Hospital Indemnity Benefits
Accident & Hospital Indemnity benefits help protect an employee's savings from unexpected medical expenses due to an accident or hospitalization. Benefits are paid directly to the member to help with out of pocket costs. These benefits are not intended to replace medical insurance. Reference the FAQs and Plan Summaries for more info.
More info on below video link
Ingredion Incorporated - Accident and Hospital Indemnity Insurance