Critical Illness Protection Plan

Studies show an increased chance of developing a critical illness in one's lifetime.* So critical illness coverage is an important part of any employer's benefit offering. Critical illness benefits can help supplement any medical coverage, including high-deductible and consumer-directed plans.

What is a Critical Illness benefit?

Often referred to as living benefit, critical illness benefits help protect individuals and families from financial impact if they become critically ill.

How does it work?

If your employee is diagnosed with one of 13 covered critical illnesses, he or she will receive a lump sum payment to help pay for expenses from daily living expenses to medical bills. Full payment is made at the time of diagnosis.

Benefits may be paid up to three times, once in each category below¹ and the same coverage is available for the employee's spouse and children.²

Covered Illnesses³

Cancer

• Cancer
• Carcinoma in Situ (25%)

• Heart Attack
• Heart Failure
• Ruptured Aneurysm
• Stroke
• Coronary Artery Bypass (25%)

• Coma
• Chronic Renal Failure
• Major Organ Failure
• Paralysis
• Severe Brain Damage
• Severe Burns

Funding options to fit your budget

You can choose to pay all, some or none of your employees' premiums. Many employers pay the base plan at 100%, offering employee buy-up options

Additional support at no extra cost

Here's a good reason to purchase both your medical and critical illness plans from UnitedHealthcare. When you do, we provide extra support and resources to your employees diagnosed with a critical illness through a program called Bridge2Health Critical Illness.