🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 129 (from laksa109)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa129.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.metlife.com/insurance/accident-health/critical-illness-insurance/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.metlife.com/insurance/accident-health/critical-illness-insurance/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.metlife.com\/insurance\/accident-health\/critical-illness-insurance\/","crawl_time":1776278527,"first_indexed_time":1481175966,"http_code":200,"src_unparsed":"com,metlife!www,\/insurance\/accident-health\/critical-illness-insurance\/ s443","src_root_hash":"13996819936066984129","history_drop_reason":null,"meta_title":"Critical Illness Insurance Plans | MetLife","meta_descriptions":["If you’re diagnosed with a critical illness or condition, our critical illness coverage will provide a lump-sum payment that you can use as you see fit."],"attrs_boilerpipe_text":"1\n Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.\n2\n Eligible Family Members means all persons eligible for coverage as defined in the Certificate.\n3\n Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.\n4\n Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.\n5\n The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.\n6\n In certain states, the Covered Condition is Severe Stroke.\n7\n Medical Bankruptcy and the Economy, January 20, 2022.\nwww.thebalance.com\/medical-bankruptcy-statistics-4154729\n. Accessed July 2022.\n8\n Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information.\nMETLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage\/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.\nMetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.","attrs_markdown":"[Skip Navigation](https:\/\/www.metlife.com\/insurance\/accident-health\/critical-illness-insurance\/#skiptomaincontent)\n\n[![MetLife](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/icons-header\/MetLife.png)](https:\/\/www.metlife.com\/)\n\nSOLUTIONS\n\nSUPPORT\n\nABOUT US\n\nRESOURCES\n\n[LOG IN](https:\/\/www.metlife.com\/insurance\/accident-health\/critical-illness-insurance\/)\n\nSEARCH\n\n[LOG IN](https:\/\/www.metlife.com\/insurance\/accident-health\/critical-illness-insurance\/)\n\nSEARCH\n\nSOLUTIONS\n\nInsurance\n\nBusiness and Brokers\n\nMetLife Investment Management\n\nRetirement & Income Solutions\n\nInsurance\n\n[Enhance Your Health Coverage](https:\/\/www.metlife.com\/health\/)\n\n- [Dental](https:\/\/www.metlife.com\/insurance\/dental-insurance\/)\n- [Vision](https:\/\/www.metlife.com\/insurance\/vision-insurance\/)\n- [Pet Insurance](https:\/\/www.metlifepetinsurance.com\/)\n\n[Protect Your Finances](https:\/\/www.metlife.com\/insurance\/accident-health\/)\n\n- [Accident](https:\/\/www.metlife.com\/insurance\/accident-health\/accident-insurance\/)\n- [Hospital Indemnity](https:\/\/www.metlife.com\/insurance\/accident-health\/hospital-indemnity-insurance\/)\n- [Critical Illness](https:\/\/www.metlife.com\/insurance\/accident-health\/critical-illness-insurance\/)\n- [Cancer](https:\/\/www.metlife.com\/insurance\/accident-health\/cancer-insurance\/)\n- [Disability and Absence](https:\/\/www.metlife.com\/insurance\/disability-insurance\/)\n\n[Safeguard Your Valuables]()\n\n- [Auto and Home Insurance](https:\/\/www.metlife.com\/farmers-redirect\/)\n- [Identity & Fraud Protection](https:\/\/www.metlife.com\/insurance\/identity-and-fraud-protection\/)\n\n[Secure Your Family's Future](https:\/\/www.metlife.com\/insurance\/life-insurance\/)\n\n- [Term Life](https:\/\/www.metlife.com\/insurance\/life-insurance\/term-life\/)\n- [Group Variable Universal Life](https:\/\/www.metlife.com\/insurance\/life-insurance\/group-variable-universal-life-insurance\/)\n- [Group Universal Life Insurance](https:\/\/www.metlife.com\/insurance\/life-insurance\/group-universal-life-insurance\/)\n- [Accidental Death & Dismemberment](https:\/\/www.metlife.com\/insurance\/life-insurance\/accidental-death-and-dismemberment\/)\n- [Legal Plans](https:\/\/www.metlife.com\/insurance\/legal-plans\/)\n\n[Reach Your Financial Goals]()\n\n- [Health Savings and Spending Accounts](https:\/\/www.metlife.com\/insurance\/hsa-fsa\/)\n- [Total Control Account (TCA)](https:\/\/www.metlife.com\/insurance\/life-insurance\/learn-about-tca\/)\n- [Employer-Sponsored Retirement Plans](https:\/\/www.metlife.com\/retirementplans\/)\n\n[More Solutions](https:\/\/www.metlife.com\/insurance\/)\n\n- [Annuity](https:\/\/www.metlife.com\/support-and-manage\/current-customers\/annuities\/)\n- [Long-Term Care](https:\/\/www.metlife.com\/ltc\/)\n\nBusiness and Brokers\n\n[Employee Benefits](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/)\n\n- [Group Auto & Home](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/auto-and-home\/)\n- [Group Dental](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/dental-insurance\/)\n- [Group Accident and Health](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/accident-and-health\/)\n- [Group Life](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/life-insurance\/)\n- [Group Disability and Absence](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/disability-insurance\/)\n- [Group Legal Services](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/legal-services\/)\n- [Group Vision](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/vision-insurance\/)\n- [Group Pet](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/pet-insurance\/)\n- [Group Health Savings & Spending Accounts](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/health-savings-account-hsa\/)\n- [Executive Benefits](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/executive-benefits\/)\n- [Identity & Fraud Protection](https:\/\/www.metlife.com\/identity-and-fraud-protection\/)\n- [Upwise](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/upwise\/)\n\n[Small Business](https:\/\/www.metlife.com\/business-and-brokers\/small-business\/)\n\n- [Small Business Products](https:\/\/www.metlife.com\/business-and-brokers\/small-business\/products\/)\n- [Exceptional Service & Support](https:\/\/www.metlife.com\/business-and-brokers\/small-business\/service\/)\n- [Small Business Index](https:\/\/www.metlife.com\/business-and-brokers\/small-business\/sbi\/)\n- [Specialty Business]()\n- [Professional Employer Organization (PEO)](https:\/\/www.metlife.com\/peo\/)\n- [Association](https:\/\/www.metlife.com\/association\/)\n- [Union](https:\/\/www.metlife.com\/union\/)\n- [Chamber of Commerce](https:\/\/www.metlife.com\/business-and-brokers\/small-business\/metlife-chamber-of-commerce\/)\n\n[For Brokers](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/)\n\n- [Small Market Experience](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/small-market-experience\/)\n- [Getting Appointed](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/getting-appointed\/)\n- [Broker Compensation](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/broker-compensation\/)\n- [Broker Forms](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/broker-forms\/)\n- [Why MetLife?](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/why-metlife\/)\n- [Broker Service](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/broker-landing-page-service\/)\n- [HR Tech Integrations](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/metlife-benefits-bridge\/)\n- [MetLife Benefits Bridge](https:\/\/www.metlife.com\/business-and-brokers\/broker-resources\/metlife-benefits-bridge\/)\n\n[MetLife Worldwide Benefits](https:\/\/www.metlife.com\/global-employee-benefits\/globally-mobile-solutions\/)\n\n[Financial Wellness](https:\/\/www.metlife.com\/info\/plansmart-employer\/)\n\n[Workforce Insights](https:\/\/www.metlife.com\/workforce-insights\/)\n\n- [Benefit Trends Study](https:\/\/www.metlife.com\/workforce-insights\/employee-benefit-trends\/?BTID=ebts_megamenu&cid=whnbf&utm_id=whnbf&utm_source=metlife&utm_medium=w&utm_campaign=c_ebts_4q_25_MetLife&utm_content=link_ebts2025_megamenu_businessbrokers&utm_term=&promoid=whnbf)\n\nMetLife Investment Management\n\n- [MetLife Investment Management](https:\/\/investments.metlife.com\/)\n- [Financing Solutions](https:\/\/investments.metlife.com\/financing-solutions\/)\n\n- [About Us](https:\/\/investments.metlife.com\/about\/)\n- [Insights](https:\/\/investments.metlife.com\/insights\/)\n\n- [Investment Strategies](https:\/\/investments.metlife.com\/investment-strategies\/)\n\nRetirement & Income Solutions\n\n- [Retirement & Income Solutions](https:\/\/www.metlife.com\/retirement-and-income-solutions\/)\n- [Lifetime Income Annuities](https:\/\/www.metlife.com\/retirement-and-income-solutions\/lifetime-income\/)\n- [Insights](https:\/\/www.metlife.com\/retirement-and-income-solutions\/insights\/insights-and-perspectives\/)\n- [Employer-Sponsored Retirement Plans](https:\/\/www.metlife.com\/retirementplans\/)\n\n- [Pension Risk](https:\/\/www.metlife.com\/retirement-and-income-solutions\/pension-risk\/)\n- [Structured Settlements](https:\/\/www.metlife.com\/retirement-and-income-solutions\/structured-settlements\/)\n- [Longevity Reinsurance](https:\/\/www.metlife.com\/retirement-and-income-solutions\/longevity-reinsurance\/)\n\n- [Stable Value](https:\/\/www.metlife.com\/retirement-and-income-solutions\/stable-value\/)\n- [Funding Solutions](https:\/\/www.metlife.com\/retirement-and-income-solutions\/funding-solutions\/)\n\nSUPPORT\n\nSupport and Manage\n\nQuick and easy access to MetLife customer support services and resources.\n\n[Learn More](https:\/\/www.metlife.com\/support-and-manage\/)\n\nCustomer Care\n\nCustomer Care\n\n- [Contact Us](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n- [Find a Dentist](https:\/\/providers.online.metlife.com\/findDentist?searchType=findDentistMetLife)\n- [Find a Vision Provider](https:\/\/www.metlife.com\/insurance\/vision-insurance\/#find-a-provider)\n- [Find an Insurance Policy](https:\/\/www.metlife.com\/policyfinder\/)\n- [Beneficiary Assistance](https:\/\/www.metlife.com\/insurance\/life-insurance\/beneficiary-assistance\/)\n- [More Support](https:\/\/www.metlife.com\/support-and-manage\/)\n\nMy Account\n\nMy Account\n\n- [Account Log In](https:\/\/identity.metlife.com\/public\/TargetUrlListPage)\n- [Register for MyBenefits](https:\/\/online.metlife.com\/public\/registration\/index?target=register)\n- [Find a Form](https:\/\/www.metlife.com\/support-and-manage\/forms-library\/)\n- [File a Claim](https:\/\/www.metlife.com\/support-and-manage\/file-a-claim\/)\n- [For Current Customer](https:\/\/www.metlife.com\/support-and-manage\/current-customers\/)\n- [Fraud Awareness](https:\/\/www.metlife.com\/fraud\/)\n- [Ethics & Fraud HelpLine](https:\/\/www.metlife.com\/fraud\/report-fraud\/)\n\nABOUT US\n\nAbout MetLife\n\n[Careers at MetLife](https:\/\/www.metlifecareers.com\/)\n\n[Investor Relations](https:\/\/investor.metlife.com\/)\n\nSustainability\n\nAbout MetLife\n\n[Corporate Profile](https:\/\/www.metlife.com\/about-us\/corporate-profile\/)\n\n- [MetLife Worldwide](https:\/\/www.metlife.com\/about-us\/corporate-profile\/global-locations\/)\n- [Company Ratings](https:\/\/www.metlife.com\/about-us\/corporate-profile\/ratings\/)\n- [Global Procurement](https:\/\/www.metlife.com\/about-us\/corporate-profile\/global-procurement\/)\n- [MetLife Affiliates](https:\/\/www.metlife.com\/about-us\/corporate-profile\/affiliates\/)\n\n[Corporate Governance](https:\/\/www.metlife.com\/about-us\/corporate-governance\/)\n\n- [Board of Directors](https:\/\/www.metlife.com\/about-us\/corporate-governance\/board-of-directors\/)\n- [Our Executive Leadership Team](https:\/\/www.metlife.com\/about-us\/corporate-governance\/our-executive-leadership-team\/)\n- [Corporate Conduct](https:\/\/www.metlife.com\/about-us\/corporate-governance\/corporate-conduct\/)\n- [Code of Conduct](https:\/\/www.metlife.com\/about-us\/corporate-governance\/code-of-business-ethics\/)\n\n[Our Purpose](https:\/\/www.metlife.com\/about-us\/our-purpose\/)\n\n- [Our People](https:\/\/www.metlife.com\/about-us\/our-purpose\/our-people\/)\n- [Our Customers](https:\/\/www.metlife.com\/about-us\/our-purpose\/our-customers\/)\n- [Our Communities](https:\/\/www.metlife.com\/about-us\/our-purpose\/our-communities\/)\n- [Our Shareholders](https:\/\/investor.metlife.com\/overview\/default.aspx)\n\n[More About Us](https:\/\/www.metlife.com\/about-us\/)\n\n- [Careers at MetLife](https:\/\/www.metlifecareers.com\/)\n- [Newsroom](https:\/\/www.metlife.com\/newsstories\/)\n- [Awards and Recognition](https:\/\/www.metlife.com\/about-us\/awards-and-recognition\/)\n- [MetLife Foundation](https:\/\/www.metlife.com\/sustainability\/MetLife-sustainability\/MetLife-Foundation\/)\n- [Real People Making Real Impact Series](https:\/\/www.metlife.com\/about-us\/real-people-making-real-impact-series\/)\n\n[Next Gen Ventures (NGV)](https:\/\/www.metlife.com\/NGV\/)\n\n[Careers at MetLife](https:\/\/www.metlifecareers.com\/)\n\n[Investor Relations](https:\/\/investor.metlife.com\/)\n\nSustainability\n\n[2024 Sustainability Report](https:\/\/sustainabilityreport.metlife.com\/report\/)\n\n- [01 Sustainability at MetLife](https:\/\/sustainabilityreport.metlife.com\/sustainability-at-metlife\/)\n- [02 For Our Customers](https:\/\/sustainabilityreport.metlife.com\/for-our-customers\/)\n- [03 As an Investor](https:\/\/sustainabilityreport.metlife.com\/investor\/)\n- [04 For Our Colleagues](https:\/\/sustainabilityreport.metlife.com\/for-our-colleagues\/)\n- [05 For the Environment](https:\/\/sustainabilityreport.metlife.com\/for-the-environment\/)\n- [06 For Our Communities](https:\/\/sustainabilityreport.metlife.com\/for-our-communities\/)\n- [07 Responsible Governance](https:\/\/sustainabilityreport.metlife.com\/responsible-governance\/)\n\n[Sustainability Resource Center](https:\/\/www.metlife.com\/sustainability\/resource-center\/)\n\n- [Environmental Stewardship](https:\/\/www.metlife.com\/sustainability\/resource-center\/)\n- [Social Responsibility](https:\/\/www.metlife.com\/sustainability\/resource-center\/social\/)\n- [Corporate Governance](https:\/\/www.metlife.com\/sustainability\/resource-center\/corporate-governance\/)\n- [Our Sustainability Aspirations](https:\/\/www.metlife.com\/sustainability\/resource-center\/aspirations\/)\n- [Statements, Policies, Codes & Archives](https:\/\/www.metlife.com\/sustainability\/resource-center\/statements-and-policies\/)\n- [Disclosures: Sustainability Frameworks](https:\/\/www.metlife.com\/sustainability\/resource-center\/frameworks\/)\n- [Sustainability at MetLife FAQs](https:\/\/www.metlife.com\/sustainability\/resource-center\/sustainability-faqs\/)\n\n[MetLife Foundation](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/)\n\n- [Our Work](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/our-work\/)\n- [Employee Engagement & Volunteerism](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/volunteer\/)\n- [MetLife Foundation News & Media](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/news-and-media\/)\n- [MetLife Foundation Resources](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/resources\/)\n- [Who We Are](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/who-we-are\/)\n- [Policies & Codes](https:\/\/www.metlife.com\/sustainability\/resource-center\/statements-and-policies\/)\n\n[News & Insights](https:\/\/www.metlife.com\/sustainability\/news-insights\/)\n\n- [Research](https:\/\/www.metlife.com\/sustainability\/news-insights\/research\/)\n\nRESOURCES\n\nMetLife Guides\n\nLearn about different types of insurance and employee benefits, as well as smart moves for your finances, retirement, and more—so you can plan ahead for you and your family.\n\n[Learn More](https:\/\/www.metlife.com\/stories\/)\n\nInsurance\n\nInsurance\n\n- [Accident & Health Insurance](https:\/\/www.metlife.com\/stories\/accident-health\/)\n- [Dental Insurance](https:\/\/www.metlife.com\/stories\/dental-insurance\/)\n- [Disability Insurance](https:\/\/www.metlife.com\/stories\/disability-insurance\/)\n- [Legal Insurance](https:\/\/www.metlife.com\/stories\/legal\/)\n- [Life Insurance](https:\/\/www.metlife.com\/stories\/life-insurance\/)\n- [Pet Insurance](https:\/\/www.metlifepetinsurance.com\/blog\/)\n- [Vision Insurance](https:\/\/www.metlife.com\/stories\/vision-insurance\/)\n\nFinancial Wellness\n\nFinancial Wellness\n\n- [Employee Benefits](https:\/\/www.metlife.com\/stories\/benefits\/)\n- [Identity Theft](https:\/\/www.metlife.com\/stories\/identity-theft\/)\n- [Oral Health Library](https:\/\/www.metlife.com\/oralfitnesslibrary\/)\n- [Personal Finance](https:\/\/www.metlife.com\/stories\/personal-finance\/)\n- [Retirement Planning](https:\/\/www.metlife.com\/stories\/retirement)\n\nEnter your search here\n\n0 of 0 Search Results\n\nDisplaying\n\n10 results\n\n- 10 results\n- 20 results\n- 30 results\n\nGrid View\n\nList View\n\nNo Results\n\nSorry, we couldn't find any results matching\n\nPlease:\n\n- Check the spelling and try again\n- Search using fewer terms\n- [Click here for Customer Support](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\nDid you mean  ?\n\nSorry, we couldn't find any results matching\n\nPlease:\n\n- Check the spelling and try again\n- Search using fewer terms\n- [Click here for Customer Support](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\nof\n\n- [Life, Dental, Vision & More: Insurance Solutions \\| MetLife](https:\/\/www.metlife.com\/insurance\/)\n- [Accident & Health Insurance](https:\/\/www.metlife.com\/insurance\/accident-health\/)\n- MetLife Critical Illness\n\n# Critical Illness Insurance\nRecover with fewer financial worries\n\nIf you’ve been diagnosed with a critical illness or condition, worrying about your finances during recovery can be overwhelming. MetLife Critical Illness Insurance can help alleviate the financial burden that an unexpected illness can bring, so you can focus on your recovery instead of on your bills.\n\n## Critical illness insurance coverage benefits\n### **Lump-sum payment**\nPaid directly to you to spend it as you see fit\n\n### **Financial support**\nPaid benefits — regardless of what your medical insurance may cover\n\n### **Guaranteed coverage1**\nCoverage for you and family members2, regardless of your health\n\n## Coverage that’s built around you\nEven with medical insurance, a serious illness can be expensive. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more. Critical illness insurance coverage can help with costs while you recover. With this supplemental plan from MetLife there is:\n\n- No waiting period for services — you can begin using them immediately after coverage begins.\n- The ability to take your coverage with you if you change jobs or retire3\n- A simple and quick enrollment process that only takes a few minutes and with no health questions.\n## Do you need critical illness insurance policy?\nReasons to consider adding this plan to your insurance coverage lineup:\n\n- You have a personal or family history of serious illness or a medical condition such as cancer,4 heart attack,5 or stroke6\n- You need dependent coverage for your spouse or children\n- You're looking for additional financial reassurance and support\n\n### Did You Know?\nMedical bills are a leading cause of bankruptcy in the United States.7\n\nCritical illness insurance can help you be financially prepared in case of a serious illness.\n\n[Learn more](https:\/\/www.metlife.com\/stories\/accident-health\/reasons-to-consider-critical-illness-insurance\/)\n\n## Help Reduce the Financial Impact of a Serious Illness\nCritical illness insurance can help you be financially prepared for a major illness.\n\n[Watch Video](https:\/\/players.brightcove.net\/64298592001\/default_default\/index.html?videoId=6330113995112)\n\n## FAQs\nExpand All Collapse All\n\nExpand All\n\n### Can critical illness insurance be used for out-of-pocket costs?\nYes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more.\n\n### Are benefits paid directly to me or to my healthcare provider?\nPayments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience.\n\n### I have a good medical plan at work. Why would I need additional coverage for critical illnesses?\nCritical illnesses can happen when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.8\n\n### Can I enroll in this insurance without having to take a medical exam?\nYes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.1 There are no medical exams to take and no health questions to answer.\n\n### Is there a waiting period before my coverage begins?\nNo. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy.\n\n### Is the claims process simple?\nYes. Once all the required information is received, claims are generally processed within 10 business days. Also, you can choose to receive payments the way you want – electronic funds transfer or check.\n\n### Stay informed\n[Critical Illness Insurance: What Is It and How May It Help? 3 min read](https:\/\/www.metlife.com\/stories\/accident-health\/what-is-critical-illness-insurance\/)\n\n[CriticalIllnessInsurancevs 5 min read](https:\/\/www.metlife.com\/stories\/accident-health\/critical-illness-insurance-vs-hospital-indemnity\/)\n\n[What Is Accident Insurance and Why Is it Important? 3 min read](https:\/\/www.metlife.com\/stories\/accident-health\/what-is-accident-insurance\/)\n\n### Resources\nNeed help? Find answers to your questions below.\n\n- [![](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/global\/web-icons\/about-us\/m_au_corporate-responsibility_120p_HVR.svg) Support & Manage](https:\/\/www.metlife.com\/support-and-manage\/)\n- [![](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/global\/web-icons\/support\/support_contact-us_120p.svg) Contact us](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n- [![](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/refresh-icons\/MetLifeForBusiness\/ico_broker-info_240X240.png) Employee Benefits](https:\/\/www.metlife.com\/business-and-brokers\/employee-benefits\/)\n\n1 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.\n\n2 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.\n\n3 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.\n\n4 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.\n\n5 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.\n\n6 In certain states, the Covered Condition is Severe Stroke.\n\n7 Medical Bankruptcy and the Economy, January 20, 2022. [www.thebalance.com\/medical-bankruptcy-statistics-4154729](https:\/\/www.thebalancemoney.com\/medical-bankruptcy-statistics-4154729 \"The Balance\"). Accessed July 2022.\n\n8 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information.\n\nMETLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage\/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.\n\nMetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.\n\n[![MetLife Footer Logo](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/icons-header\/MetLife.png)](https:\/\/www.metlife.com\/)\n\n### About Us\n[Careers](https:\/\/www.metlifecareers.com\/)\n\n[Investor Relations](https:\/\/investor.metlife.com\/overview\/default.aspx)\n\n[Newsroom](https:\/\/www.metlife.com\/newsstories\/)\n\n[Sustainability](https:\/\/www.metlife.com\/sustainability\/)\n\n[MetLife Foundation](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/)\n\n[Corporate Profile](https:\/\/www.metlife.com\/about-us\/corporate-profile\/)\n\n[Our Purpose](https:\/\/www.metlife.com\/about-us\/our-purpose\/)\n\n[Real People Making Real Impact Series](https:\/\/www.metlife.com\/about-us\/real-people-making-real-impact-series\/)\n\n[Willscenter](https:\/\/www.willscenter.com\/)\n\n### Support\n[Contact Us](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\n[Find a Dentist](https:\/\/providers.online.metlife.com\/findDentist?searchType=findDentistMetLife)\n\n[Find a Vision Provider](https:\/\/www.metlife.com\/insurance\/vision-insurance\/#find-a-provider)\n\n[Register](https:\/\/online.metlife.com\/public\/registration\/index)\n\n[Find a Form](https:\/\/www.metlife.com\/support-and-manage\/forms-library\/)\n\n[File a Claim](https:\/\/www.metlife.com\/support-and-manage\/file-a-claim\/)\n\n[Claim Unclaimed Property](https:\/\/www.metlife.com\/unclaimed-property\/)\n\n[Find an Insurance Policy](https:\/\/www.metlife.com\/policyfinder\/)\n\n[Fraud Awareness](https:\/\/www.metlife.com\/fraud\/)\n\n[Ethics & Fraud HelpLine](https:\/\/www.metlife.com\/fraud\/report-fraud\/)\n\n[Domestic Abuse Confidentiality](https:\/\/www.metlife.com\/support-and-manage\/confidential-communications\/)\n\n[Privacy Request](https:\/\/online.metlife.com\/edge\/web\/public\/privacy)\n\n[INSURANCE](https:\/\/www.metlife.com\/insurance\/)\n\n[BUSINESS & BROKERS](https:\/\/www.metlife.com\/business-and-brokers\/)\n\n[METLIFE INVESTMENT MANAGEMENT](https:\/\/investments.metlife.com\/)\n\n[RETIREMENT & INCOME SOLUTIONS](https:\/\/www.metlife.com\/retirement-and-income-solutions\/)\n\n[PET INSURANCE](https:\/\/www.metlifepetinsurance.com\/)\n\nSelect Country\n\nUSA\n\n- ###### Americas\n- [USA](https:\/\/www.metlife.com\/)\n- [Argentina](https:\/\/www.metlife.com.ar\/)\n- [Brazil](https:\/\/www.metlife.com.br\/)\n- [Chile](https:\/\/w3.metlife.cl\/)\n- [Chile ProVida](https:\/\/www.provida.cl\/)\n- [Colombia](https:\/\/www.metlife.com.co\/)\n- [Mexico](https:\/\/www.metlife.com.mx\/)\n- [Uruguay](https:\/\/www.metlife.com.uy\/)\n- ###### Asia\n- [Australia](https:\/\/www.metlife.com.au\/)\n- [Bangladesh](https:\/\/www.metlife.com.bd\/)\n- [China](https:\/\/www.metlife.com.cn\/)\n- [India](https:\/\/www.pnbmetlife.com\/)\n- [Japan](https:\/\/www.metlife.co.jp\/)\n- [Korea](https:\/\/www.metlife.co.kr\/)\n- [Malaysia](https:\/\/www.ammetlife.com\/)\n- [Nepal](https:\/\/www.metlife.com.np\/)\n- [Vietnam](https:\/\/www.bidvmetlife.com.vn\/)\n- ###### Europe\n- [Bulgaria](https:\/\/www.metlife.bg\/)\n- [Cyprus](https:\/\/www.metlife.com.cy\/)\n- [Czech Republic](https:\/\/www.metlife.cz\/)\n- [France](https:\/\/www.metlife.fr\/)\n- [Hungary](https:\/\/www.metlife.hu\/)\n- [Ireland](https:\/\/www.metlife.com\/about-us\/careers\/ireland-global-opportunities\/)\n- [Italy](https:\/\/www.metlife.it\/)\n- [Poland](https:\/\/www.metlife.eu\/metlifepoland\/)\n- [Portugal](https:\/\/www.metlife.pt\/)\n- [Romania](https:\/\/www.metropolitanlife.ro\/)\n- [Slovakia](https:\/\/www.metlife.sk\/)\n- [Spain](https:\/\/www.metlife.es\/)\n- [Turkey](https:\/\/www.metlife.com.tr\/)\n- [Ukraine](https:\/\/www.metlife.ua\/)\n- [United Kingdom](https:\/\/www.metlife.co.uk\/)\n- ###### Middle East and Africa\n- [Bahrain](https:\/\/www.metlife-gulf.com\/en\/bahrain\/)\n- [Egypt](https:\/\/www.metlife.eg\/)\n- [Jordan](https:\/\/www.metlife.jo\/)\n- [Kuwait](https:\/\/www.metlife-gulf.com\/kuwait\/)\n- [Lebanon](https:\/\/www.metlife.com.lb\/)\n- [Oman](https:\/\/www.metlife-gulf.com\/oman\/)\n- [Qatar](https:\/\/www.metlife-gulf.com\/en\/qatar\/)\n- [United Arab Emirates](https:\/\/www.metlife.ae\/)\n\n[1-800-METLIFE](tel:+18006385433)\n\n[Privacy Center](https:\/\/www.metlife.com\/about-us\/privacy-policy\/)   [Legal Notices](https:\/\/www.metlife.com\/about-us\/terms-and-conditions\/)\n\nMetropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166\n\n© 2026 MetLife Services and Solutions, LLC\n\nL4658284\\[exp0727\\]\\[All States and\\]\\[All Territories\\]","attrs_readable_markdown":"1 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.\n\n2 Eligible Family Members means all persons eligible for coverage as defined in the Certificate.\n\n3 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.\n\n4 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.\n\n5 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest.\n\n6 In certain states, the Covered Condition is Severe Stroke.\n\n7 Medical Bankruptcy and the Economy, January 20, 2022. [www.thebalance.com\/medical-bankruptcy-statistics-4154729](https:\/\/www.thebalancemoney.com\/medical-bankruptcy-statistics-4154729 \"The Balance\"). Accessed July 2022.\n\n8 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information.\n\nMETLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage\/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.\n\nMetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.","meta_canonical":null}

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URL	https://www.metlife.com/insurance/accident-health/critical-illness-insurance/
Last Crawled	2026-04-15 18:42:07 (10 hours ago)
First Indexed	2016-12-08 05:46:06 (9 years ago)
HTTP Status Code	200
Meta Title	Critical Illness Insurance Plans \| MetLife
Meta Description	If you’re diagnosed with a critical illness or condition, our critical illness coverage will provide a lump-sum payment that you can use as you see fit.
Meta Canonical	null
Boilerpipe Text	1 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas. 2 Eligible Family Members means all persons eligible for coverage as defined in the Certificate. 3 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative. 4 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered. 5 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest. 6 In certain states, the Covered Condition is Severe Stroke. 7 Medical Bankruptcy and the Economy, January 20, 2022. www.thebalance.com/medical-bankruptcy-statistics-4154729 . Accessed July 2022. 8 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information. METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.
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Sorry, we couldn't find any results matching Please: - Check the spelling and try again - Search using fewer terms - [Click here for Customer Support](https://www.metlife.com/support-and-manage/contact-us/) of - [Life, Dental, Vision & More: Insurance Solutions \\| MetLife](https://www.metlife.com/insurance/) - [Accident & Health Insurance](https://www.metlife.com/insurance/accident-health/) - MetLife Critical Illness # Critical Illness Insurance Recover with fewer financial worries If you’ve been diagnosed with a critical illness or condition, worrying about your finances during recovery can be overwhelming. MetLife Critical Illness Insurance can help alleviate the financial burden that an unexpected illness can bring, so you can focus on your recovery instead of on your bills. ## Critical illness insurance coverage benefits ### Lump-sum payment Paid directly to you to spend it as you see fit ### Financial support Paid benefits — regardless of what your medical insurance may cover ### Guaranteed coverage1 Coverage for you and family members2, regardless of your health ## Coverage that’s built around you Even with medical insurance, a serious illness can be expensive. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more. Critical illness insurance coverage can help with costs while you recover. With this supplemental plan from MetLife there is: - No waiting period for services — you can begin using them immediately after coverage begins. - The ability to take your coverage with you if you change jobs or retire3 - A simple and quick enrollment process that only takes a few minutes and with no health questions. ## Do you need critical illness insurance policy? Reasons to consider adding this plan to your insurance coverage lineup: - You have a personal or family history of serious illness or a medical condition such as cancer,4 heart attack,5 or stroke6 - You need dependent coverage for your spouse or children - You're looking for additional financial reassurance and support ### Did You Know? Medical bills are a leading cause of bankruptcy in the United States.7 Critical illness insurance can help you be financially prepared in case of a serious illness. [Learn more](https://www.metlife.com/stories/accident-health/reasons-to-consider-critical-illness-insurance/) ## Help Reduce the Financial Impact of a Serious Illness Critical illness insurance can help you be financially prepared for a major illness. [Watch Video](https://players.brightcove.net/64298592001/default_default/index.html?videoId=6330113995112) ## FAQs Expand All Collapse All Expand All ### Can critical illness insurance be used for out-of-pocket costs? Yes, you can use your benefit payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments, and more. ### Are benefits paid directly to me or to my healthcare provider? Payments will be paid directly to you, not to the doctors, hospitals, or other healthcare providers. You will receive a check, payable to you, for maximum convenience. ### I have a good medical plan at work. Why would I need additional coverage for critical illnesses? Critical illnesses can happen when you least expect them — and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits, and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.8 ### Can I enroll in this insurance without having to take a medical exam? Yes. If your employer offers critical illness insurance, your acceptance is guaranteed, regardless of your health. You just need to be actively employed for your coverage to be effective.1 There are no medical exams to take and no health questions to answer. ### Is there a waiting period before my coverage begins? No. Your critical illness insurance will be effective on the date of your coverage as long as you are actively employed. There are no waiting periods to satisfy. ### Is the claims process simple? Yes. Once all the required information is received, claims are generally processed within 10 business days. Also, you can choose to receive payments the way you want – electronic funds transfer or check. ### Stay informed [Critical Illness Insurance: What Is It and How May It Help? 3 min read](https://www.metlife.com/stories/accident-health/what-is-critical-illness-insurance/) [CriticalIllnessInsurancevs 5 min read](https://www.metlife.com/stories/accident-health/critical-illness-insurance-vs-hospital-indemnity/) [What Is Accident Insurance and Why Is it Important? 3 min read](https://www.metlife.com/stories/accident-health/what-is-accident-insurance/) ### Resources Need help? Find answers to your questions below. - [![](https://www.metlife.com/content/dam/metlifecom/global/web-icons/about-us/m_au_corporate-responsibility_120p_HVR.svg) Support & Manage](https://www.metlife.com/support-and-manage/) - [![](https://www.metlife.com/content/dam/metlifecom/global/web-icons/support/support_contact-us_120p.svg) Contact us](https://www.metlife.com/support-and-manage/contact-us/) - [![](https://www.metlife.com/content/dam/metlifecom/us/refresh-icons/MetLifeForBusiness/ico_broker-info_240X240.png) Employee Benefits](https://www.metlife.com/business-and-brokers/employee-benefits/) 1 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas. 2 Eligible Family Members means all persons eligible for coverage as defined in the Certificate. 3 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative. 4 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered. 5 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest. 6 In certain states, the Covered Condition is Severe Stroke. 7 Medical Bankruptcy and the Economy, January 20, 2022. [www.thebalance.com/medical-bankruptcy-statistics-4154729](https://www.thebalancemoney.com/medical-bankruptcy-statistics-4154729 "The Balance"). Accessed July 2022. 8 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information. METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses. 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Readable Markdown	1 Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. For CA-sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and customary duties of your job at the employer’s place of business or at an alternate place approved by your employer and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas. 2 Eligible Family Members means all persons eligible for coverage as defined in the Certificate. 3 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative. 4 Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered. 5 The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial infarction does not include sudden cardiac arrest. 6 In certain states, the Covered Condition is Severe Stroke. 7 Medical Bankruptcy and the Economy, January 20, 2022. [www.thebalance.com/medical-bankruptcy-statistics-4154729](https://www.thebalancemoney.com/medical-bankruptcy-statistics-4154729 "The Balance"). Accessed July 2022. 8 Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent child coverage varies by state. Please contact MetLife for more information. METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14-CI, GPNP19-CI or contact MetLife for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.
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