Helps you pay for out-of-pocket expenses that result from a covered hospital stay.
Please note: If you have previously registered on this site using your BNY Mellon email address, you may need to re-register using your BNY email address. Please call 1-866-250-4510 if you need assistance resetting your account.
Who is the provider?
MetLife
With over 150 years of experience, MetLife is a leading innovator and a recognized leader in protection planning and retirement & savings solutions.
When is a benefit paid under the plan?
Who in my family is eligible for this insurance?
Members of your family who are considered eligible to enroll for this insurance include:
You must be enrolled in coverage for members of your family to also enroll.
How much does coverage cost?
Your cost is based on several factors including the plan design and whether you’d like coverage for you, your spouse and/or children.
Hospital Indemnity Semi-Monthly Premiums
High | Highest | |
Employee | $5.34 | $9.84 |
Employee + Spouse | $10.77 | $19.85 |
Employee + Child | $8.44 | $15.55 |
Family | $13.87 | $25.58 |
How do I file a claim?
Do I have to answer health questions or take a medical exam?
What if my employment status changes?
Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.
When would my insurance start?
For annual enrollment, coverage is effective on the date shown on the Certificate after the application is received and approved. You must be actively at work on the coverage effective date.
For new hires and qualifying life events, coverage is effective the first of the month following the enrollment form approval date, provided the eligibility requirements are met.
Am I really free to use the payment any way I choose?
How do I cancel my policy?
Act now to put Hospital Indemnity Insurance in place to help offset expenses that may not be covered by other insurance.
Please note: If you have previously registered on this site using your BNY Mellon email address, you may need to re-register using your BNY email address. Please call 1-866-250-4510 if you need assistance resetting your account.
Legal Disclaimers
1Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.
2Coverage 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. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.
METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. Prior hospital confinement may be required to receive certain benefits. There may be a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166
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