Cancer Insurance

Cancer Insurance

Cancer Insurance provides a lump sum payment to help pay for the costs of cancer treatment and recovery.*

No one expects cancer - but you can prepare for it

You can enroll for the financial support Cancer Insurance provides, just in case you need it. Open enrollment is from xx/yy/zz - xx/yy/zz.

Valuable financial support so you can focus on getting well

While it’s difficult to be emotionally prepared for the ups and downs of cancer, you can be financially prepared for the costs of treatment. Cancer Insurance provides money to help cover expenses that may not be covered by medical insurance. 

Plus, it can be used to pay for household expenses that can be more difficult to manage while you are sick. This extra financial support lets you focus more fully on yourself and your health.

  • Single, one-time payment to use as you see fit, paid directly to you
  • Use it for prescriptions, deductibles, co-payments, therapies and everyday bills
  • Pays on top of medical insurance
  • Benefits for initial diagnosis and if cancer returns**

Plan Details

Life has changed, but the need to protect and provide for loved ones has not.

Cancer Insurance FAQs

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Yes, you can enroll both yourself and your eligible family members.1 All you need to do is enroll during the enrollment period.

Yes, you can use your payment as you see fit. Use it to help cover your household bills, medical insurance deductibles, copayments and more.

Payments will be paid directly to you, not to the doctors, hospitals or other health care providers. You will receive a check, payable to you, for maximum convenience.

One of the hardest parts of managing an illness like cancer is providing the support and comfort your family needs beyond the cost of care. Even the best medical and disability income plans can leave you with extra expenses to pay or services that just aren’t covered. Things like deductibles, copays, extra costs for out-of-network care, or non-covered services. And if you’re out of work because of a disability, it might be that only some of your income is protected. Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.

Yes. Your critical illness coverage is guaranteed2, regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.

Yes. This coverage is portable meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.3

Managing cancer

Discover how Cancer Insurance helped Jasmine manage her health and get her finances back on track.

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* Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH-sitused cases and NH residents, there is an initial benefit of $100 for All Other Cancer.

** There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Treatment Free Period.

Eligible Family Members means all persons eligible for coverage as defined in the Certificate.

Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions set forth on the enrollment form and in the certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. [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 (2) dependents 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 apply to dependents serving in the armed forces or living overseas. 

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.

The MetLife Cancer Insurance plan is based on the MetLife Critical Illness Insurance (CII) policy. MetLife Cancer Insurance includes only the Covered Conditions of Full Benefit Cancer and Partial Benefit Cancer.

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 may vary by state. In most plans, there is a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which benefits will not be paid for a recurrence, except in the case of insureds covered under a New York certificate. MetLife’s Issue Age CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of the initial coverage effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions 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 GPNP14-CI or 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.

ADF# CA1394.16