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.

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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 it works

If 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:

  • 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

How it helps

Every 40 seconds

an American will have a heart attack.1

About 50%

regardless of socioeconomic status or health condition, say they are either "very worried" or "somewhat worried" about being able not afford unexpected medical bills or their health insurance deductible.2

Commonly asked questions about Unum Critical Illness Insurance

Explore other ways to protect your finances.

Learn more about our other supplemental health benefits.

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

2 (38%-Very worried, 29% somewhat worried). Kaiser Family Foundation, Americans’ challenges with Health Care Costs, 2019

THE POLICIES PROVIDE LIMITED BENEFITS.

In New York, individual coverage is referred to as specified disease insurance. 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.

Accident insurance is not approved in all states. Please check with your plan administrator for details.

Group Critical Illness is underwritten by Unum Life Insurance Company of America or Unum Insurance Company of America, Portland, Maine.

Individual Critical Illness is underwritten by Provident Life and Accident Insurance Company, Chattanooga, Tennessee.

In New York, coverage is underwritten by First Unum Life Insurance Company, New York, New York.

Insureds in some states must be covered by comprehensive health insurance before applying for Specified critical illness insurance.

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.

The expected benefit ratio for the individual policy is policy is 60%. This ratio is the portion of future payments that the company expects to return as benefits when averaged over all people with this policy.