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Financial Protection Plans

Financial protection plans are designed to help you plan for the unexpected—and help protect the financial future for you and your family.

Hospital Indemnity Protection Plan

Even with health insurance, a hospital stay may mean big out-of-pocket costs and stress, especially if you have a high-deductible health plan. Working alongside your medical plan, Hospital Indemnity Protection insurance can help provide protection from the high costs of hospital care by paying you a benefit after hospital care.

  • Plan at-a-glance

  • Benefits may be payable for

View plan benefits:

Benefit Summary: Hospital Indemnity Protection Plan Opens in a new tab

IMPORTANT: Some benefits may not be available in all states.

Not for use for plans of customers sitused in New Mexico. For residents of New Mexico, alternate benefits may apply. Specific coverage details will be reflected in the Certificate of Coverage.

Critical Illness Protection Plan

Protect your finances and your family against the impact of a critical illness. Designed to help provide a financial cushion if you become seriously ill, Critical illness insurance helps you cover unforeseen costs and daily living expenses.

  • Plan at-a-glance

  • Base plan

View plan benefits:

Benefit Summary: Critical Illness Protection Plan Opens in a new tab

PLEASE NOTE: Some benefits may not be available in all states.

Not for use for plans of customers sitused in New Mexico. For residents of New Mexico, alternate benefits may apply. Specific coverage details will be reflected in the Certificate of Coverage.

Accident Protection Plan

Life can be unpredictable. Even with health insurance, an accidental injury can cost you thousands of dollars. Lost wages from missing work, health insurance deductibles and daily living expenses can create long-term financial problems.

Accident protection insurance can prepare you for the unexpected. If you have a covered injury during the plan year and submit a claim, the Accident Protection Plan will pay you a cash benefit directly. Any payment you receive is in addition to the benefits from your health plan. Plus, you don’t have to meet a deductible to receive the money — and you can use the money any way you want.

Plan at-a-glance

  • Lump sum payment is paid directly to you after you submit your claim, and we verify it’s for a covered injury.
  • Use the benefit payment in any way you choose such as helping pay your mortgage or rent, your deductible or other out-of-pocket expenses.

  • If you have a UnitedHealthcare medical plan, Benefit Assist® can help make it easier for you to get the benefits you’re eligible for.
  • Coverage is portable so, if you change jobs, you can take the plan with you.

  • Plan benefits

View plan benefits:

Benefit Summary: Accident Protection Plan Opens in a new tab

PLEASE NOTE: Some benefits may not be available in all states.

Not for use for plans of customers sitused in New Mexico. For residents of New Mexico, alternate benefits may apply. Specific coverage details will be reflected in the Certificate of Coverage.

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Disclaimers

UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company. The product provides a limited benefit for certain hospital indemnity plan benefits. Please note: HOSPITAL INDEMNITY coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. This product is not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company. Critical Illness coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all tates. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Accident Protection product is provided by UnitedHealthcare Insurance Company. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.