Supplemental Health Plans

Princeton offers three voluntary supplemental health plans through MetLife to complement one’s medical plan coverage:

  • Accident
  • Critical illness
  • Hospital indemnity

These insurances provide financial assistance through a lump-sum payment to spend at the discretion of the policy holder in the event of an unexpected medical event. This money can be used to cover out-of-pocket medical expenses or to pay for food, utility bills, or any other unexpected expenses from an illness or injury.


  • Once enrolled, the policy holder can file a claim by visiting MetLife's website.
  • No health questions or physical exams required.
  • Portable coverage that the policy holder may continue after leaving University.

Accident Insurance

  • Accident insurance provides money to help pay bills for specific injuries and events resulting from a covered accident while on- or off-the-job.
  • Since health insurance plans only covers certain expenses with applicable plan limits, this plan will help pay for out-of-pocket expenses that result from an accident, such as deductibles, copayments, and non-covered medical services.
  • The plan also includes coverage for accidental death and dismemberment
  • Participant has a choice between a low or high plan options.
  • Additional benefits are payable if a covered person has an accidental injury due to an organized sports activity. 
  • Annual health screening benefit will pay $50 per person (low plan) or $75 per person (high plan) when a covered individual receives a preventive service.
  • Value added benefits include healthcare navigation, online will preparation, and funeral planning services.

Hospital Indemnity Insurance

  • Hospital Indemnity insurance provides payment for a hospital admission, and a daily benefit amount for hospital confinement or accident-related inpatient rehabilitation for up to 31 days.

Critical Illness Insurance

  • Critical Illness insurance provides a lump-sum payment when a covered individual is diagnosed with a covered illness.
  • Coverage options include an initial benefit amount of $10,000 or $20,000,  paid upon the first diagnosis (coverage for a spouse or child is at 50% of the initial benefit).
  • The plan pays a recurrence benefit for certain covered conditions and is available only if an initial benefit has been paid for the covered condition.
  • Covered illnesses include, but are not limited to, Alzheimer’s disease, heart attack, coronary artery bypass graft, full benefit cancer (not all types of cancer are covered and/or are covered as a partial benefit), kidney failure, stroke, and major organ transplant.
  • Value added benefits include healthcare navigation, online will preparation, and funeral planning services.


Premiums are paid through after-tax payroll deductions. The monthly rates are available here.

Multiply the benefit amount, e.g., $20,000, by the rates shown above, divide by $1,000, and round to two decimals to calculate the monthly rate.

For example To elect $20,000 of coverage and turning age 50 in March 2019, the monthly rate calculation is: $20,000 x $1.14 = $22,800 / 1,000 = $22.80.


All benefits-eligible employees, except for visiting fellows.


Election of this benefit is available when hired or newly eligible or once-a-year during open enrollment each fall.

Faculty and staff should contact Winston Benefits for assistance from licensed benefit counselors to select a supplemental health plan,  provide detailed information, answer questions, and  provide a full list of covered illnesses and conditions. Since these plans are administered directly by Winston Benefits, enrollment cannot be processed through HR Self Service. To enroll through Winston Benefits, call (855) 393-3601, Monday through Friday, 8:30 a.m. to 8:00 p.m.

If there are any discrepancies between the information in this publication, verbal representations, and the plan documents, the plan documents always govern. Although Princeton intends to continue these benefits, the University reserves the right to amend or terminate these plans at any time.