Insurance today for doctor and hospital coverage comes in a variety of shapes and sizes. Nearly all plans have some out-of-pocket expenses that must be paid, whether up-front or later on. United Healthcare Accident Expense with Critical Illness and Hospital Admission Insurance is designed to help with those expenses that a primary insurance plan may not pay.
This is an Accident policy that includes Critical Illness, Accidental Death & Dismemberment, and Hospital Admission benefits.
This is a supplement to health insurance and is not a substitute for major medical coverage.
This plan includes:
- Accident Benefit
- Critical Illness Benefit
- Hospital/Sickness Benefit
- Accidental Death Benefit
Accidental Injury
United Healthcare Accident Expense with Critical Illness and Hospital Admission 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.
Critical Illness
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
- Stroke
- 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
- Arthrectomy
- Stent implantation
- Abdominal aortic aneurysm surgery
- Open heart surgery to replace or repair one or more heart valves
Hospital Admission
You never know when serious sickness may strike you or your family. Even with a health plan, you may still have a deductible to pay first before your insurance coverage pays.
A hospital admission with a minimum 24-hour stay (“Stay”)* for sickness is the qualifying event needed to receive a lump sum payout of this benefit.
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.
Perfect Candidates
- Blue Collar Jobs
- Construction Workers
- Firefighters
- Police
- EMT
- 1st Responders
- Government Employees
- Seniors
- Self-Employed
- Truckers
- Independent Contractors
