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Personal Accident Insurance is offered to UH employees with a regular hire basis of 16 or more hours per week. The insurance carrier is Metlife.  Click here to view the Accident coverage flyer.

Why is having Accident Insurance so important?

Accidents can happen at any time and when you least expect them. Today’s active lifestyles may make you more susceptible, too.
Accidents can happen at any time: every 2 seconds at home … every 6 seconds at work … and every 9 seconds on the road.1   You can’t plan for accidents, but you can be better prepared financially to handle them when they happen.

Even the best medical plans may leave you with extra expenses to pay out of your own pocket.
Group Accident 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. There are no waiting periods for coverage to begin and payment will be in addition to any other insurance you may have. This payment can help you focus more on getting back on track and less on the extra expenses an accident may bring.

This plan provides a lump sum payment for over 150 different covered events, such as these:

  • Fractures
  • Dislocations
  • Second and third degree burns
  • Skin grafts
  • Torn knee cartilage
  • Ruptured disc
  • Concussions
  • Cuts/Lacerations
  • Eye injuries
  • Coma
  • Broken teeth

See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

You receive a lump sum payment when you have these covered medical services/treatments2:

  • Ambulance
  • Emergency care
  • Inpatient surgery
  • Outpatient surgery
  • Transportation
  • Home modifications
  • Physician follow-up visits
  • Medical Testing Benefits including:
    • X-rays
    • MRIs
    • CT scans
  • Therapy services including:
    • Physical and occupational therapy
    • Speech therapy

Why should I enroll now?

  • You and your eligible family members are guaranteed acceptance. You just need to be actively at work. Dependents to be covered may not be subject to medical restrictions as set forth in the Certificate.
  • Competitive group rates.
  • Convenient payroll deduction ensures continuous, worry-free coverage.
  • Take your coverage with you if your employment status changes.

Enroll today!

1 National Safety Council (2012) Injury Facts, 2012 Edition. Itasca, IL: Author (based on a 2010 US resident population of 309.6 million).
2 Covered services/treatments must be the result of a covered accident as defined in the group policy/certificate. See the Disclosure Statement or Outline of Coverage/Disclosure Document for more details

METLIFE’S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition exclusion for hospital sickness benefits, if applicable. There are benefit reductions that begin at age 65. And, like most group accident and health insurance policies, polices 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 refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Accident Insurance is pending regulatory approval.

© 2013 Metropolitan Life Insurance Company, New York, NY
PEANUTS © 2013 Peanuts Worldwide, LLC