This in regards to my MetLife Critical Illness Insurance policy obtained through my employer, which I paid for monthly since 2015 (11 years). The policy appeared to be comprehensive, covering a range of critical conditions I had hoped to never face, including open heart surgery. Unfortunately, when I had to go through open heart surgery this past year, MetLife denied my claim because the open heart survey was for an aneurysm and not a narrowing or blockage. My word of caution before you purchase their Critical Illness coverage: understand that they will do everything to politely and bureaucratically deny coverage, so do not assume the policy is comprehensive even if it appears to be. The policy is written so there is a LOT of wiggle room for denials. You may need to engage an attorney from the start to receive your claim, and that will cost you about 40-50% of any payout and a lot of hassle for both you and your medical team at a time when you are dealing with a critical health issue. Consider putting the money into health savings account. (Note: My MetLife hospital indemnity policy worked as described because it paid exactly what it said it would based on number of days in the hospital, quantitative metrics.)
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