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 can be 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 covered specified critical illnesses, such as a stroke, cancer or heart attack.1
How it works
Benefits are payable 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 state 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 management2
New benefit provisions 2 are available with a 1/1/24 effective date. New benefits include: Sudden Cardiac Arrest, Occupational PTSD, Pulmonary Embolism, Transient Ischemic Attack (TIA), Bone Marrow/Stem Cell Transplant, Addison’s Disease, Huntington’s Disease, Lupus, Muscular Dystrophy, Myasthenia Gravis, Systemic Sclerosis (Scleroderma), Hospital Admission due to complications of pregnancy (mom and child), Additional Cancer benefits (up to 100% of base), Building benefit (increases the value of your coverage the longer the coverage is in place) and Health Habits benefit. New Childhood conditions include: Type 1 Diabetes, Sickle Cell Anemia, Congenital Heart Disease.
Commonly asked questions about Unum Critical Illness Insurance
We make it easier to protect your workforce
Our convenient digital claims app streamlines administration for employers while making it easier for employees to enroll, make claims and get support. Help your workforce be better financially prepared for the unexpected with Critical Illness Insurance.
1. Please refer to the policy for complete definitions of covered conditions.
2. Benefits are not available in all states.
3. Fortune 500 2021; Unum internal data, 2022.
THE POLICIES PROVIDE LIMITED BENEFITS.
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 this coverage.
In New York and North Carolina, Group Critical Illness Insurance is referred to as Group 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 Certificate Form, GCIC16-1 in all other states, GCIA16-1 in Washington and Attained Age; GCICI16-1 in Washington and Issue Age; GCIC16-1-NY in New York; GCICI16-1-NJ in New Jersey; and policy forms GCIP16-1, UIC-GCIP16-2; in NY, GCIP16-1-NY; in NJ, GCIP16-1-NJ.
The policies For NY, 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 Insurance Company, Portland, ME.
In New York and New Jersey, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.
In AZ, you may be contacted by an insurance producer.
Talk with a Unum Benefits expert