A serious illness often means unexpected costs that aren’t covered by your health insurance. Unum Critical Illness Insurance can help protect your finances during life-changing events, so you can focus on healing. Enroll in this valuable coverage when it’s offered at work.
When a serious illness strikes, your finances can be endangered, along with your health. Even if you have health insurance, the out-of-pocket costs of treatment, hospitalization and missing work can add up fast.
Critical Illness Insurance can help you weather a crisis without draining your savings. If you’re diagnosed with a covered illness like cancer, stroke, heart attack or other condition, your plan can pay a lump-sum benefit directly to you, to use however you choose.
If you’re diagnosed with a critical illness, you can file a claim to begin the benefits process. Depending on the specifics of your plan, Critical Illness Insurance can provide a lump-sum benefit for diagnoses such as:
To help promote a healthy lifestyle, our plans can also pay a benefit when you get a covered health screening test.
Critical Illness Insurance can pay a benefit directly to you when you are diagnosed with one of the covered conditions listed in the plan.
The amount of benefits you receive depends on the covered condition and the coverage amount you elect during enrollment.
The amount of benefits you receive depends on the covered condition and the coverage amount you elect during enrollment.
If you’ve enrolled in Unum benefits like Critical Illness Insurance, you can log in to your account to file a claim, view the status of a claim, and provide updated claim information. If you don’t have an account, you can register here.
1 American Heart Association, Heart Disease and Stroke Statistics — 2018 Update: A Report from the American Heart Association, 2018.
THE POLICIES PROVIDE LIMITED BENEFITS.
This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. In New York and North Carolina, the Critical Illness insurance offering is referred to as Specified Disease insurance.
This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for critical illness insurance.
The Critical Illness insurance is underwritten by Unum Life Insurance Company of America, Portland, ME or Unum Insurance Company, Portland, ME.
In New York, Specified Disease Insurance is underwritten by First Unum Life Insurance Company, Garden City, NY. In New York and New Jersey coverage is underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. Applicable to policy forms CI-1, GCIP16-1, GCIP16-1-NY, GCIP16-1-NJ, See the actual policy or your Unum representative for specific provisions and details of availability.
