Help Protect Your Recovery
Are your finances ready if a critical illness should strike?
Or call for details:
(866) 405-7174
(866) 405-7174
Combat a Health Crisis Cash Crunch With Critical Illness Insurance1
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
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 plan 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 plan 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%.
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 plan 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 a copay health insurance plans to decide which one best fits your situation.
1 THIS POLICY PROVIDES LIMITED BENEFITS. 2 "MetLife 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 (866) 405-7174.
For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed advisor to discuss your health insurance options at (866) 405-7174.