CriticalGuard - UHOne

CriticalGuard - UHOne


What It Is
CriticalGuard provides cash benefits if you are diagnosed with a qualifying critical illness including cancer, heart attack, stroke and more. It helps cover medical and non-medical expenses.

How It Works
When a covered critical illness is FIRST diagnosed, you receive a lump-sum payment that you can use for anything. Payments are made directly to you, not your provider.

Eligibility
  1. Primary Insured: Ages 18-90
  2. Spouse/Partner: Ages 16-90 (varies by state)
  3. Dependent Children: Covered to age 26 (state variates may apply)
Plan Options
Choose from four coverage plans:
  1. Cancer Only
  2. Heart/Stroke Only
  3. Cancer + Heart/Stroke
  4. Comprehensive Critical Illness (includes all major conditions)
Each plan includes additional services and optional benefits

Coverage Amounts
  1. Ages 18-64: $5,000 up to $100,000
  2. Ages 65-74: $5,000 up to $75,000
  3. Ages 75-90: $5,000 up to $50,000
Certain lower amounts are Guaranteed Issue (no underwriting required)

Qualifying Events
  1. Cancer (life-threatening, in situ, benign brain tumor, skin cancer)
  2. Heart attack or stroke
  3. Advanced Alzheimer’s disease, ALS, coma, renal failure, organ transplant, loss of independent living
  4. COVID-related ICU confinement (with qualifying event)
  5. Pregnancy-related complications (with qualifying event)
Premium Stability
Premiums don’t increase with age. UnitedHealthcare gives advance notice (31–75 days) before any rate changes.

Guaranteed Renewability
Keep your coverage year after year — as long as premiums are paid on time and no fraud occurs.

What’s Not Covered
  1. Illnesses not defined as “Qualifying Events”
  2. Preexisting conditions (For 12 months after policy start)
  3. Self-inflicted injury, war, crime, or intoxication
  4. Certain professional/high risk sports or activities

Great For
Everyone, especially individuals with family history of critical illness

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