Critical Illness Insurance
A serious illness often means unexpected expenses that aren’t covered by health insurance. Unum Critical Illness Insurance can help protect employees’ finances, so they can focus on healing — and getting back to work.
How it helps
Help defend your employees against the high costs of getting sick
A critical illness is scary — and not just for medical reasons. It can also mean time without a paycheck and unexpected costs that health insurance doesn't cover.
Strengthen your benefits package with this valuable coverage, which can pay a lump-sum benefit directly to an employee who's diagnosed with one of several specified critical illnesses, such as a stroke, cancer or heart attack.1
How it works
Benefits paid directly to employees
- Lump-sum benefit can be used to pay for the direct and indirect costs of a serious illness, such as:
- Deductibles and co-pays
- Out-of-network treatment
- Rehabilitation
- Child care
- Family-friendly plan automatically includes children and the option to choose spouse coverage.
Employers can choose to include coverage for critical illnesses, cancer or both. Examples of covered critical illnesses include:
- Heart attack
- Stroke
- Major organ failure
- End-stage renal (kidney) failure
- Coronary artery disease
Ease and cost savings for you
- Tailored options are available to complement any health plan.
- Attained-age and issue-age rate structures are available.
- Single situs site allows for easy implementation and consistent benefit communication messaging across all your locations. Regardless of where your employees live and work, they are covered under the same plan based on the state where your coverage is sited.
- HSA-compatible plan options available.
- Annual wellness benefit encourages responsible health management.2
Commonly asked questions about Unum Critical Illness Insurance
We make it easy to protect your workforce
Our simple digital claims app streamlines administration for employers while making it easy for employees to enroll, make claims and get support. Keep your workforce healthy, happy and productive with Critical Illness Insurance.
Please note: VA requires this disclosure for Disability, which is unique as compared to the NAIC.
1. Please refer to the policy for complete definitions of covered conditions.
2. Wellness benefit not available in all states.
3. Fortune 500 2021; Unum internal data, 2022.
THE POLICIES PROVIDE LIMITED BENEFITS.
In New York and North Carolina, group coverage is referred to as Specified Disease Insurance.
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations that may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. Applicable to policy forms CI-1, GCIP16-1, GCIP16-1-NJ, GCIP16-1-NY certificate forms GCIC16-1, GCIC16-1-NJ, GCIC16-1-NY.
The policies provide limited benefit health insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Underwritten by Unum Life Insurance Company of America, Portland, ME or Unum Insurance Company, Portland, ME.
In New York underwritten by First Unum Life Insurance Company, Garden City, New York or in New York and New Jersey underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.
Talk with a Unum Benefits expert