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What is critical illness insurance?

Critical illness insurance plans are also called critical care insurance or critical illness coverage. These plans provide a lump- sum cash benefit to help cover expenses related to a qualifying serious illness. 

Why would I need a critical illness insurance plan?

A critical illness can happen to anyone — and at any time, without warning. Whether it’s happened to a family member or a friend, most of us are probably familiar with the hardships a serious illness can bring.

Unfortunately, a serious illness can also cause financial strain. A person may be unable to work for a time. Plus, medical bills and other unexpected expenses can add up. A medical health insurance plan may cover some health care costs. But often, it won’t cover it all. That’s where a critical illness plan can help. 

See how critical illness insurance helps cover your costs

With a critical illness insurance plan, you can use your cash-benefit funds as you see fit. This includes paying everyday living expenses while out of work and more, including: 

Mortgage or rent payments, groceries, childcare and more

Out-of-pocket medical costs

Prescriptions and other medications

Treatment by a specialist or rehabilitation

Transportation to and from treatment

Mortgage or rent payments, groceries, childcare and more

Out-of-pocket medical costs

Prescriptions and other medications

Treatment by a specialist or rehabilitation

Transportation to and from treatment

What does a critical illness plan cover?

With critical illness insurance, a lump sum is paid by your Golden Rule Insurance Company critical illness plan, up to the maximum lifetime benefit. This cash benefit payment is paid directly to you for expenses related to:

  • Heart attack

  • Life-threatening cancer

  • Loss of hearing, speech, or vision

  • Loss of independent living2 

  • Advanced Alzheimer’s disease

  • Major organ transplant

  • Paralysis

  • Coma

  • Renal failure

  • Stroke

  • Carcinoma in situ

  • Coronary artery bypass graft 

Critical conditions covered will vary by plan — and plan design and availability vary by state. As you're shopping for a plan, review the details carefully to understand what may be covered by the plan you choose. 

Why choose critical illness plans from UnitedHealthcare?

Tax-advantaged benefit

Get the advantage of a cash benefit payment that’s typically not taxable

Simple application

Apply by answering yes or no questions 

Flexibility

Use the money the way you want 

Various maximum lifetime benefit amounts

Choose your amount, up to $100,000 for some plans if you qualify

Frequently asked questions about critical illness insurance

Explore these common questions to learn how critical illness insurance may give you some of the financial protection you need if a serious illness happens. 

Explore more supplemental plans

View more plans, like dental, vision and other cash-benefit plans, that offer coverage for expenses not covered by a medical plan.

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