Accident Insurance
Accident insurance helps protect you from unexpected financial stress if you or a covered family member has an off the job accident.
Commvault offers three different types of supplemental medical plans through MetLife — Accident Insurance, Critical Illness Insurance, and Hospital Indemnity Insurance. You may choose to enroll in one, two, or all three plans. You pay the full cost of coverage through paycheck deductions.
2024 supplemental medical plans
Critical Illness Insurance
Critical illness coverage pays cash benefits when you or a covered family member are diagnosed with a covered illness or condition, such as a heart attack, cancer, or stroke.
Hospital Indemnity Insurance
A trip to the hospital can be stressful, and so can the bills. Hospital indemnity insurance helps cover your copays, deductibles, and other out-of-pocket costs before your medical plan begins to pay expenses.
Key features at a glance
Supplemental medical plans provide:
Cash Benefits
that you can use to pay expenses not covered by your primary medical coverage.
Flexibility
to spend your benefit payment on whatever costs you’re facing, including medical bills, transportation costs, child care fees, and daily living expenses.
Financial protection
against the high costs often associated with accidental injuries or a hospital stay.
An inexpensive way to supplement
your medical plan, giving you cost-effective coverage to cover medical expense before you reach the annual deductible.
Keep in mind
On their own, supplemental medical plans don’t provide comprehensive medical coverage for your day-to-day health care needs. Rather, they’re intended to supplement the coverage provided by your primary medical plan.
Accident insurance supplements your primary medical plan by providing cash benefits in cases of covered off the job accidental injuries. You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).
Two coverage options:
- High Option Plan
- Low Option Plan
Benefits are paid:
- Directly to you, unless assigned to someone else
- In addition to any other coverage, like your primary medical plan or an Accidental Death & Dismemberment (AD&D) plan
You receive a cash benefit up to a specific amount for:
- Dislocation or fracture
- Initial hospital confinement
- Ambulance
- Medical expenses
- Outpatient physician’s treatment
- Surgical procedures
- And more. This list is just examples of covered services
The actual benefit amounts depend on the type of injuries you have and the medical services you need.
Critical illness insurance can help protect you, your family, and your budget from the financial impact of a critical illness or condition. This coverage provides cash benefits that can be used to help cover expenses for your treatment that are not covered by your primary medical plan. You also can use the money to pay for any other expenses related to your illness or to help cover everyday bills.
Three coverage options:
- Employee
- Spouse/domestic partner
- Dependent child(ren)
Benefits are paid:
- Directly to you, unless assigned to someone else
- As a lump sum
- In addition to any other insurance you have
Covered conditions include cancer, heart attack, kidney failure, and stroke. Benefits may be paid more than once if the illness recurs or if a different diagnosis is made.
A hospital indemnity plan provides supplemental payments to help offset your share of the costs associated with a covered hospitalization and related services, such as ambulance transportation, surgery, and certain inpatient or outpatient treatments.
Benefits are paid:
- Directly to you, unless assigned to someone else
- As a lump sum
- In addition to any other insurance you have