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Critical Illness Insurance

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.

A serious illness can threaten more than your health

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.

How Critical Illness Insurance works

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:

  • Cancer
  • Heart attack
  • Coronary artery disease
  • Stroke
  • Major organ failure

To help promote a healthy lifestyle, our plans can also pay a benefit when you get a covered health screening test.

Your Critical Illness Insurance can help pay for:

  • Deductibles, co-pays and co-insurance
  • Diagnostic tests
  • Transportation
  • Childcare
  • Whatever you choose
Please refer to the policy for complete definitions of covered conditions.
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Commonly asked questions about Unum Critical Illness Insurance

Have questions?

Find out more about Critical Illness insurance.

1 American Heart Association, Heart Disease and Stroke Statistics — 2018 Update: A Report from the American Heart Association, 2018.


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.