Voya Employee Benefits Resource Center

UnityPoint Health

Critical Illness Insurance

Group Name: UnityPoint Health
Group Number: 68894-1

Get benefits for covered illnesses and conditions.

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition that happens on or after your coverage effective date. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. For a complete description of benefits, exclusions and limitations, refer to your certificate of insurance and any riders.  

Your Critical Illness Insurance includes the following benefits and riders:

Wellness Benefit

This is an annual benefit you and your covered dependents can earn by completing an eligible health screening test.

Non-insurance services: the following services are not insurance, and may be discontinued at the request of your employer. 
Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.

 
We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through Voya Cares®.

Certificates
Review this document for a complete overview of benefits

Certificate of Coverage and Riders

State Forms
Forms that provide additional information

State Mandated Forms

What is Critical Illness Insurance?

Critical Illness* Insurance pays a lump sum benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

*Critical Illness is called Specified Disease in some states.

How can Critical Illness Insurance help?

Below are a few examples of how your Critical Illness Insurance benefit could be used (coverage amounts may vary):

  • Out of pocket medical expenses, such as deductibles and co-pays
  • Child care
  • Mortgage payment/rent and home maintenance
  • Everyday expenses like utilities and groceries

Why should I enroll through my employer?

Premium amounts are deducted from your paycheck, so you don’t have to worry about paying another bill.

Can I purchase coverage for my spouse and child?

Coverage is available for your eligible spouse and your eligible children up to age 26* as defined in the certificate of insurance and riders, if employee coverage is elected.

*Standard ages may vary.

How much does it cost?

The cost of Critical Illness Insurance varies based on your age and the amount of coverage. Please refer to your enrollment materials or contact your employer. 

Is this guaranteed issue coverage?

Critical Illness Insurance coverage is available on a guaranteed issue basis. Pre-existing condition limitation may apply.

If an employee’s spouse and/or child also works at the company and is covered as an employee, are they also eligible for coverage under the Spouse and/or Child Rider?

No. If your spouse is covered under the policy as an employee, then your spouse is not eligible for coverage under the Spouse rider. Likewise, if your child is covered under the policy as an employee, then your child is not eligible for child coverage under the Child Rider.


Additionally, if both you and your spouse or domestic partner are covered under the policy as an employee, then only one of you may cover your children. If the parent who is covering the children stops being insured as an employee, then the other parent may enroll for children coverage.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy form #RL-CI4-POL-16; Certificate form #RL-CI4-CERT2-20; and Rider forms: Spouse Critical Illness Rider Form #RL-CI4-SPR2-20; Children's Critical Illness Rider Form #RL-CI4-CHR2-20; Wellness Benefit Rider Form #RL-CI4-WELL2-20; Absence of Employment Rider #RL-AEPW-20; Additional Services Rider #RL-ASPR-20; Continuation of Insurance Rider #RL-CNT2-20; Infectious Condition Additional Benefit Rider Form #RL-CI4-ICBR-22; Specified Conditions Rider Form: RL-CI4-SCR-23; Benefit Enhancement Rider Form: RL-CI4-BER-23.

Benefit Basics video
Real Life Example

Lisa, a mother of two young children, is diagnosed with cancer. At first, Lisa worries about how she will meet her financial obligations during her treatment, but then she remembers she’s enrolled in Critical Illness Insurance through her employer. Lisa receives a benefit for her covered cancer diagnosis to use however she wants – to help cover costs like out-of-pocket medical expenses, groceries, and childcare.

Critical Illness Insurance benefits paid - Example Only1
Maximum Critical Illness benefit paid
$10,000
Total benefit paid $10,000

1 This is shown for illustrative purposes only. Actual results may vary and you may have different coverage and benefit amount.  Pre-existing condition limitations may apply. Average Critical Illness Insurance claim paid from 1/1/2023 – 12/31/2023 was $11,796. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

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