Accident and Critical Illness Insurance is payment for expenses associated with an accident or lump sum payment for a critical illness diagnosis. The payment is made directly to you. This insurance protects your paycheck by supplementing an income for lost wages from missing work, high health insurance deductibles, unpaid bills, and medical expenses not paid by insurance. Get benefits for unexpected expenses related to an accident of qualifying critical illness.
This is an Accident policy that includes Critical Illness and Accidental Death & Dismemberment benefits.
This is a supplement to health insurance and is not a substitute for major medical coverage.
This Plan Includes:
- Accidental Benefit
- Critical Illness
- Accidental Death Benefit
United Healthcare Accident and Critical Illness Insurance can pay covered expenses in addition to benefits received from other insurance coverage.
Benefits are not based on what other coverage, like health insurance, may pay.
The lifetime maximum payout is three times the selected benefit amount.
A 30-day waiting period applies to all benefits in most states
- Heart attack
- Invasive cancer after 90 days
- Coma Paralysis
- Major organ/tissue failure
- Third-degree burns
- End-stage renal failure
- Loss of hearing (deafness)
- Loss of speech
- Loss of vision (blindness)
- Non-invasive cancer after 90 days
- Benign brain tumor
- Heart Illnesses:
- Coronary artery bypass graft or another bypass
- Angio jet clot busting
- Laser/balloon angioplasty
- Stent implantation
- Abdominal aortic aneurysm surgery
- Open heart surgery to replace or repair one or more heart valves
Accidental Death & Dismemberment
The Accidental Death & Dismemberment (AD&D) benefit amount is the same amount as the selected accidental injury benefit amount, so it pays in addition to other injuries resulting from an accident subject to the lifetime maximum.
The resulting dismemberment or death from an accident must take place within 30 days of the accident.
All benefits are paid to the insured or beneficiary.
- Blue Collar Jobs
- Construction Workers
- 1st Responders
- Government Employees
- Independent Contractors