Critical Illness

Help protect your finances during life-changing events

Critical Illness coverage from Unum can provide financial assistance when a serious illness strikes. Benefits paid by Critical Illness Insurance policies can help you with deductibles, co-pays and other out-of-pocket costs when you are diagnosed with a covered critical illness, such as a heart attack, stroke or cancer.

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Safeguard against the cost of serious illness

Even if you have health insurance, there are still out-of-pocket expenses

Critical Illness Insurance can help when life throws the unexpected your way. If you're diagnosed with a covered illness like cancer or you encounter certain catastrophic health events, your plan can pay a lump-sum benefit directly to you, to use however you need.

Every 34 seconds, someone in America will have a coronary event.1 If a serious medical event strikes, your medical insurance may help with the bills, but there are still out-of-pocket costs to contend with. In fact, 75% of insured people who had problems paying medical bills said their co-pays, deductibles or co-insurance cost more than they could afford.2 Unum Critical Illness Insurance is a smart way to be prepared no matter what comes your way.

Talk with your HR manager to learn how to enroll in Unum Critical Illness Insurance through your workplace.

How Unum Critical Illness Insurance works

Receive a lump-sum benefit if you're diagnosed with a covered serious illness

If you have a Critical Illness Insurance plan and you're diagnosed with a covered 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:

  • Heart attack
  • Stroke (when effects are confirmed at least 30 days after the event)
  • Major organ failure
  • Blindness
  • Cancer
  • Occupational HIV
  • End-stage renal (kidney) failure
  • Permanent paralysis due to covered accident

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

How Unum Critical Illness Insurance protects your finances

Sam had been saving for an early retirement. Unfortunately, a stroke forced him to take an extended leave from his job. Thanks to his critical illness coverage, Sam was able to afford the treatment his medical insurance didn't cover without dipping into savings.

Closing the gap with medical expenses

While Sam had good medical insurance, he was still left with diagnostic tests and hospitalization fees to pay on his own. His Critical Illness Insurance helped pay those bills so he could continue planning for his upcoming retirement.

Helping with the cost of rehabilitation and medication

In the months following the stroke, Sam needed outpatient rehabilitation and several prescription medications. He used part of his benefit to cover the ongoing co-pays.

Covering the cost of prevention

Stroke survivors have a higher risk of having a repeated stroke. To stay on top of any future health concerns, Sam keeps his blood pressure in check with screenings paid for by his annual health screening benefit.

For illustrative purposes only. Coverage plans may vary.

Employers and HR representatives

Find out more about offering individual or group critical illness insurance for your employees.

Commonly asked questions about Unum Critical Illness Insurance

1. American Heart Association, "Heart Disease and Stroke Statistics - 2016 Update: A Report from the American Heart Association," Circulation (2016)
2. Kaiser Family Foundation, "New Kaiser/New York Times Survey Finds One in Five Working-Age Americans with Health Insurance Report Problems Paying Medical Bills" (2016).

The policies, their names, or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Group Critical Illness:
Underwritten by Unum Life Insurance Company of America, Portland, ME.
In New York, underwritten by First Unum Life Insurance Company, New York, NY.

Individual Critical Illness:
Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN.
In New York, underwritten by First Unum Life Insurance Company, New York, NY.

These 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. The expected benefit ratio for the individual policies in 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy.

Please read these important disclosures for Arizona.