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Critical Illness Insurance

Critical Illness can Affect Anyone

Did you know:

  • In the U.S., 38% of women and 44% of men develop cancer in their lifetimes.4
  • Every 40 seconds someone in the U.S. has a stroke.5
  • By 2020, over 700,000 Americans will suffer end-stage kidney disease or need chronic dialysis or a kidney transplant.4

Help Protect Your Recovery

Are your finances ready if a critical illness should strike?

Combat a Health Crisis Cash Crunch With Critical Illness Insurance1

Lost income ought to be the least of your worries when you suffer serious illness or injury. Instead, your sole priority should be a speedy recovery. But the unfortunate reality is that your monthly bills must be paid, even if you’re unable to work.

Health insurance helps offset the high cost of hospitalization, but it doesn’t cover all out-of-pocket medical bills, let alone personal expenses like your mortgage, your car payment or your groceries. Did you know an average family’s income can drop by $12,000 a year following cancer, heart attack or stroke?2 A medical crisis can quickly cut deep into your savings.

Can you afford a major illness? Help ease your financial fears so you’ll be able to focus on treatment, not missed paychecks. A UnitedHealthOneSM Critical Illness insurance policy pays cash for any qualifying serious illness. You can use the money however you want — for bills, living expenses, out-of-pocket medical costs, and more.

You May Need Critical Illness Insurance If:

  • Loss of income would impact your way of life
  • You or your spouse are your family’s primary breadwinner

Critical Illness Insurance Details

  • Maximum Lifetime Benefit — you select your coverage amount: $10,000, $20,000, $30,000, $40,000 or $50,000.
  • Waiting Period — first diagnosis must be made 30 days AFTER your effective date.
  • Tax-Free Benefits3 — cash can be used for out-of-pocket medical costs, bills, travel for treatment, and more.

100% of Critical Illness Maximum Lifetime Benefit Amount to be Paid for the following:

  • Heart Attack
  • Life-Threatening Cancer (diagnosed more than 90 days after effective date)
  • Loss of Hearing
  • Loss of Speech
  • Loss of Vision
  • Major Transplant
  • Paralysis: Quadriplegia
  • Paralysis: Paraplegia
  • Paralysis: Hemiplegia
  • Coma
  • Renal Failure
  • Stroke

25% of Critical Illness Maximum Lifetime Benefit Amount to be Paid for the following:

  • Carcinoma in Situ
  • Coronary Artery Bypass Graft
Critical Illness Insurance benefits are paid upon first diagnosis as a one-time payment, not paid based on actual expenses incurred. Please see policy for complete details. Reduction Schedule — When a covered person reaches age 65, the Critical Illness Maximum Lifetime Benefit amount then in force for that covered person will automatically be reduced by 50%.

Suggestion:

Combining a UnitedHealthOneSM Critical Illness policy with a health insurance plan can help you feel more financially comfortable with your insurance choices. Check out UnitedHealthOneSM high deductible health insurance, health savings accounts, or copay health insurance plans to decide which one best fits your situation.

1 THIS POLICY PROVIDES LIMITED BENEFITS. 2MetLife Financial Impact of a Critical Illness Study,” April 2010. 3 See your tax advisor for possible restrictions. 4 American Cancer Society, “Cancer Statistics, 2010.” 5 American Heart Association, “Heart Disease and Stroke Statistics – 2010 Update.”
For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed advisor to discuss your health insurance options at (800) 273-8082.
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