Below you will see some frequently asked questions. For more complete information please consult the brochure using the link above.
Does this plan cover regular medical expenses like hospital visits?
No, the UnitedHealthcare Critical Illness Insurance pays cash benefits directly to you when you suffer a qualifying critical illness. It does pay for regular medical visits like hospital visits. You should maintain separate comprehensive health coverage for day to day medical expenses. We recommend pairing this product with a fixed hospital indemnity plan like Health ProtectorGuard to cover regular medical expenses and hospital visits.
Who qualifies for this product?
The primary insured and spouse must be between the ages of 18-59 at the time of enrollement. Any major medical issues that have occured within the past 10 years could disqualify the applicant from coverage. To see if you qualify click here to get a quote and apply. Applicants must truthfully answer the medical questions in the application. Any misstatement or misrepresentation on the application could result in claims being denied.
What qualifies as a critical illness?
Please consult the brochure for specific details regarding qualifications and exemptions.
Are preexisting conditions covered in this plan?
Benefits will not be paid with the diagnosis of a critical illness that is connected to a preexisting condition during the initial 12 months enrolled in the plan (including any waiting period for coverage eligibility). After the initial 12 month period the preexisting condition limitations will not apply. See brochure for details.