Skip to Main Content
Critical or Terminal Insurance

Lump sum benefit
paid directly to you

Flexible funds—use them
where you need them


Your Choice of Benefit Level

Your choice of Maximum Lifetime Benefit amounts
($10,000 to $50,000 in most states)

Critical Illness Insurance

What is Critical Illness insurance? Critical Illness insurance, also known as Critical Care insurance or Critical Illness coverage, pays a lump sum cash benefit directly to the policyholder in the event of a qualifying serious illness.

If you’re not prepared, getting sick can be risky not just to your health, but to the financial situation of you and your loved ones, too. Having a Critical Illness policy in place can help reduce the financial burden and lead to less stress during recovery.

Primary health insurance helps cover medical costs if you get sick, but it doesn’t cover everyday living expenses while you’re out of work. Bills can pile up quickly. How close are you to meeting your health insurance deductible? Do you have enough savings to cover it? Will you have anything left for your other bills? These are the last questions you want to worry about if you’re seriously ill.

Ask yourself this – If you were unable to work for an extended period of time, could you continue to pay your mortgage or other household bills? Do you have an emergency fund set aside for an unexpected critical illness or serious medical condition?

If you answered “no” to these questions, you may want to consider UnitedHealthOne® Critical Illness insurance underwritten by Golden Rule Insurance Company. A Critical Illness plan may help you shift your focus more on your recovery and less on your expenses.

Heart Disease Strickes One Person every 42 seconds

Heart disease strikes

someone in the U.S. about once every 42 seconds.1

How Critical Illness Insurance Works to Help You

It’s simple. You choose 1 of 5 Maximum Lifetime Benefit amounts: $10,000, $20,000, $30,000, $40,000 or $50,000. Your benefit pays out upon first diagnosis of a qualifying illness experienced at least 30 days after the plan becomes effective.

Your Critical Illness
policy becomes

You are given your first diagnosis of a qualifying illness after the 30-day waiting period

You receive cash
benefit in lump sum

You use your cash
as needed to cover
financial obligations

Critical Illness Plan Advantages

Tax Advantaged Benefit2

You have a tax advantage with your Critical Illness coverage. Typically, money received from Critical Illness insurance is not taxable.

Simple Application

Questions with “yes” or “no” answers for simplicity.

Flexible Funds

Use the money as you see fit to cover expenses associated with a critical illness.

Your Choice of Benefit Level

Your Choice of Five Lifetime Maximum Benefits

The choice of benefit level helps to give you control over the cost of your plan: $10,000, $20,000, $30,000, $40,000, $50,000

Comine Plans for More Effective Health Coverage

Combine Plans for Increased Coverage

A Critical Illness plan can be purchased standalone or bundled with your existing health insurance plan(s). Combining multiple plan types can help you get the coverage that’s right for you. Pair this plan with Short Term Medical, Dental, and Vision for a well-rounded package.

Frequently Asked Questions

Is Critical Illness insurance worth it?

Ultimately, that decision is yours and unique to your situation. You can’t predict the future, but you can be prepared. Critical illness insurance can help supplement your income if a critical illness strikes.

How do I determine the amount of coverage I need?

Again, that’s ultimately up to you and the needs of your situation. But consider obtaining enough coverage for 2 years of mortgage payments as recommended by The American Association for Critical Illness insurance.3

What Critical Illnesses Are Covered?

Your Critical Illness policy pays for:

  • Heart attack
  • Stroke
  • Life-Threatening Cancer4
  • Loss of Hearing
  • Loss of Speech
  • Loss of Vision
  • Major Transplant
  • Paralysis
  • Coma
  • Renal Failure
  • Carcinoma in Situ
  • Coronary Artery Bypass Graft

Who needs Critical Illness insurance?

Good candidates for a Critical Illness plan include:

  • Primary bread winner of the household
  • Someone insured but with a health insurance plan that has a high deductible
  • Person with limited savings for an unexpected illness

Is there a waiting period for coverage?

Yes, there is a 30-day waiting period on Critical Illness benefits. First diagnosis must be made at least 30 days AFTER your effective date.

1 Source: American Heart Association, Heart disease and stroke statistics—2016 update: A report from the American Heart Association [published online ahead of print December 16, 2015]. Circulation. doi: 10.1161/CIR.0000000000000350.

2 Consult your tax advisor; restrictions may apply.

3 American Association for Critical Illness Insurance, 2011.

4 Diagnosed more than 90 days after effective date.


Navigate Back to Top