Health Insurance

Available in the United States

Critical Illness Insurance Plan

Critical Illness Insurance Plan

Even with insurance a critical illness like cancer, heart attack, kidney failure, stroke or even a major organ transplant can cause financial devastation. With UCT’s Critical Illness Insurance you receive a cash benefit when you need it most. You choose the level of coverage you want: $25,000, $50,000 or $100,000, and this is what we pay you in the event you suffer a critical illness. Issue ages are 18-64. Benefits are paid on top of your other medical insurance and won’t affect disability insurance benefits.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of this page.


Disability Income

Disability Income

How will Disability Income Insurance through UCT protect your client’s ability to earn income?

It’s Simple
• Purchase a benefit amount up to one times your annual earnings, not to exceed $100,000
• Pays a single lump sum benefit for total disability that is expected to last at least one year, provided you survive the disability for at least 30 days
• Guaranteed renewable to age 65
• Issue ages 18-60 (attained age)

It’s Affordable
• Premium is based on percentage of manual duties performed in your occupation
• Level premium structure (same payment each month)

It’s Attainable
• Simplified underwriting process
• No coordination of benefits
• No extra premium charge for substandard risks

IF YOU’RE AN AGENT


New Generation Dental & Vision Insurance – Hearing rider included

New Generation Dental & Vision Insurance – Hearing rider included

Are you 0-70 years old? Are you without group benefits or were your benefits lost at retirement? Are you a contractor or self-employed? If so, our New Generation Dental & Vision Insurance (hearing rider included) could be perfect for you. Choose a $0 or $100 policy year deductible and a policy year maximum benefit of $1,000, $1,500, $2,000 or $2,500 that meets your needs.

This plan pays in addition to any other coverage. There are no networks and you choose the provider. Children may be covered under this plan on an individual basis.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of this page.


Short-Term Care Insurance

Short-Term Care Insurance

Our Short-Term Care Insurance helps with unexpected out-of-pocket expenses and provides you with recovery care when you need it and where you want it – including the privacy of your home. The plan is ideal for singles or couples and gives you the health care choices needed to help get you back to your independent lifestyle.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of this page.


Medicare Supplement Insurance

Medicare Supplement Insurance — Plans A, B, C, D, F, G and N

If you’re age 65 or older, you face a number of options when it comes to health care. The Medicare program wasn’t intended to pay entire hospital, doctor or nursing home bills. You may need supplemental insurance to pay expenses not covered by Medicare. Our Medicare supplement plans make choosing the right coverage easier and help give you the financial resources to cover expenses Medicare doesn’t.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of this page.


Emergicare Plus

Emergicare Plus

Emergicare Plus is great for individuals and families. It supplements your current health coverage by helping with emergency and follow-up medical treatment expenses due to an accident. When your other coverage doesn’t pay because the deductible hasn’t been satisfied or it covers only hospitalization, Emergicare Plus helps fill these needs.

Emergicare Plus Base Benefits

  • Ambulance/Paramedic service up to $100 per accident
  • Physician visits $20 per visit / 10 visits per accident
  • X-ray benefits up to $50 per accident
  • Cast or splint application benefits up to $50 per accident
  • Prescriptions and injections up to $50 per accident
  • Emergency Room benefits up to $100 per accident
  • $2,000 for loss of life, sight or double dismemberment per accident
  • $1,000 for loss of sight of one eye or single dismemberment per accident

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of this page.


Accidental Death and Hospital Indemnity Plan (ADHIP)

Accidental Death and Hospital Indemnity Plan (ADHIP)

Many of the expenses you may experience while hospitalized due to a covered accident are taken care of by our Accidental Death and Hospital Indemnity Plan. The plan pays a daily indemnity benefit of $50 for hospital confinement due to a covered accident to a maximum of 365 days per confinement. There’s no waiting period.

Accidental Death Benefits:

Member Spouse Child
Common Carrier $100,000 $100,000 $20,000
Auto or pedestrian $20,000 $20,000 $5,000
Other covered accident $10,000 $10,000 $2,000

Hospital Income Benefits:

Member Spouse Child
For any covered accident, up to 365 days $50 per day $50 per day $50 per day

Subject to exclusions and limitations. Please read your policy carefully.

To find out if this product is available in your state please click the Product Availability PDF icon at the bottom of this page.

 

Available in Canada

Critical Illness Insurance Plan

Critical Illness Insurance Plan

Even with insurance a critical illness like cancer, heart attack, kidney failure, stroke or even a major organ transplant can cause financial devastation. With UCT’s Critical Illness Insurance you receive a cash benefit when you need it most. You choose the level of coverage you want: $25,000, $50,000 or $100,000, and this is what we pay you in the event you suffer a critical illness. Issue ages are 18-64. Benefits are paid on top of your other medical insurance and won’t affect disability insurance benefits.

To find out if this product is available in your province please click the Product Availability PDF icon at the bottom of this page.


Dental, Vision & Hearing Expense Insurance

Dental, Vision & Hearing Expense Insurance

Are you 18-84 years old? Are you without group benefits or were your benefits lost at retirement? Are you a contractor or self-employed? If so, our Dental, Vision & Hearing Expense Insurance could be perfect for you. This plan is all about choice. Choose a $0 or $100 policy year deductible and a policy year maximum benefit of $750, $1,000, $1,500 or $2,000 that meets your needs.

To find out if this product is available in your province please click the Product Availability PDF icon at the bottom of this page.


Hospital Indemnity Plan

Hospital Indemnity Plan

Many of the expenses you may experience while hospitalized due to a covered accident or illness are taken care of by our Hospital Indemnity Plan. The plan pays a daily indemnity benefit of $50 for hospital confinement due to a covered accident or illness up to a maximum of 365 days per confinement. There’s no waiting period.

To find out if this product is available in your province please click the Product Availability PDF icon at the bottom of this page.


Accidental Death and Hospital Indemnity Plan (ADHIP)

Accidental Death and Hospital Indemnity Plan (ADHIP)

Many of the expenses you may experience while hospitalized due to a covered accident or illness are taken care of by our Accidental Death and Hospital Indemnity Plan. The plan pays a daily indemnity benefit of $50 for hospital confinement due to a covered accident or illness up to a maximum of 365 days per confinement. There’s no waiting period.

Accidental Death Benefits:

Member Spouse Child
Common Carrier $100,000 $100,000 $20,000
Auto or pedestrian $20,000 $20,000 $5,000
Other covered accident $10,000 $10,000 $2,000

Hospital Income Benefits:

Member Spouse Child
For any covered accident, up to 365 days $50 per day $50 per day $50 per day

Subject to exclusions and limitations. Please read your policy carefully.

To find out if this product is available in your province please click the Product Availability PDF icon at the bottom of this page.

 
 


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An Agent

To find an agent near you, contact UCT at 800-848-0123 or email agentservices@uct.org

Product

Availability