Critical Illness Insurance
If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. The money can help you pay out-of-pocket medical expenses, like deductibles.
How does the plan work?
You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of any critical illnesses with the exception of skin cancer. The reoccurrence benefit can pay 100% of your coverage amount. Diagnoses must be at least 180 days apart or the conditions can’t be related to each other.
Covered critical illnesses may include:
- Heart attack
- Stroke
- Major organ failure
- End-stage kidney failure
- Coronary artery disease
- Major (50%): Coronary artery bypass graft or valve replacement
- Minor (10%): Balloon angioplasty or stent replacement
Be Well Benefit
Your Unum plan pays a Be Well Benefit for one Be Well screening each year. With the Unum Be Well Benefit, you and other covered family members can receive a valuable incentive for important tests and screenings. Many of these tests are routinely performed, so it’s easy to take advantage of this benefit.
Your Critical Illness Insurance Be Well benefit is tied to the coverage amount you choose. For instance, if you choose a coverage amount of $10,000, your Be Well benefit will be $50. A coverage amount of $30,000 will have a Be Well benefit of $100.
Be Well Screenings:
- Annual exams by a physician include sport physicals, well-child visits, dental and vision exams
- Screenings for cancer, including pap smear, colonoscopy
- Cardiovascular function screenings
- Screenings for cholesterol and diabetes
- Imagining studies, including chest X-ray, mammography
- Immunizations including HPV, MMR, tetanus, influenza
View the Plan Documents on this page to find instructions on how to file your Be Well claim.
