UBA OFFERS THE OPTION TO BE PREPARED FOR THE
FIRST DIAGNOSIS OF INVASIVE CANCER, HEART ATTACK & STROKE.

Be Prepared. Fight Back Against Out-Of-Pocket Expenses!

GROUP CRITICAL ILLNESS INSURANCE

Learn more about Optional Supplemental
Group Critical Illness Insurance issued to
the United Business Association.


Get in the Fight with Critical Illness Insurance.

Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Critical Illness Insurance might be the right fit to help pay for deductibles, coinsurance, out-of-network costs so that you can see any provider you wish, or help pay for everyday expenses like travel to and from cancer centers, hotel rooms, and day-to-day expenses while you are seeking treatment and trying to get better from the first diagnosis of a Covered Critical Illness (Invasive Cancer, Heart Attack or Stroke). Critical Illness claims are paid to the member as a lump sum payment. Various insurance carrier partners have joined UBA's efforts to do more for our members and have issued a master policy to the United Business Association for Group Critical Illness Insurance or a Critical Illness Insurance Benefit as a rider to Group Hospital Fixed Indemnity Insurance. As a member of the association (making you part of the group), you have access to purchase optional supplemental products that include Group Critical Illness Insurance or the Critical Illness Insurance Benefit as a rider to Group Hospital Fixed Indemnity Insurance. Contact Us today to get more information or to become a member. The best part is that you can keep your UBA Gap Product that includes Critical Illness coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year.


About Critical Illness Insurance

Group Critical Illness Insurance & Critical Illness Insurance Benefit Rider

For those with a family history of heart-attack, cancer or stroke, Group Critical Illness Insurance is a way to offer lump sum coverage for members to be able to visit out-of-network providers, help pay for some out-of-pocket expenses like deductibles and coinsurance that might occur with member's comprehensive health insurance plan. With this lump sum benefit, members can also help to pay for experimental treatments that members might want to participate in. Many optional supplemental UBA Gap Products include Group Critical Illness Insurance or a Critical Illness Insurance benefit as part of the Group Hospital Fixed Indemnity Insurance (depending on product and state). For full details, definitions of covered critical illnesses, limitations & exclusions review product Certificate(s) of Insurance.

Find out more about how Group Critical Illness Insurance claims work.



Critical Illness Insurance

Optional UBA Gap Products that Include:

GROUP CRITICAL ILLNESS INSURANCE or
CRITICAL ILLNESS INSURANCE BENEFIT RIDER







Group Critical Illness Insurance
is either underwritten by (depending on product and state):

Sirius America Insurance Company

Sirius America Insurance Company

HASA-1000

Windsor Life Insurance Company

Windsor Life Insurance Company




Critical Illness Insurance Benefit Rider
as part of the Group Hospital Fixed Indemnity Insurance is underwritten by (depending on plan and state):

United States Fire Insurance Company

United States Fire Insurance Company

AH-3454




Note: There are optional supplemental UBA Gap Products no longer being marketed that include Group Critical Illness Insurance or Group Hospital Fixed Indemnity Insurance's Critical Illness Insurance Benefit Rider. Members, please visit your Member Portal to view your product information. The above information is a brief description, and any prospective member or current member should review the product details, limitations, exclusions in the Certificates of Insurance for the optional supplemental UBA Gap Product. You must be a member of the United Business Association in order to add any optional supplemental UBA Gap Product that includes Group Critical Illness Insurance or the Critical Illness Benefit Rider to the Group Hospital Fixed Indemnity Insurance to your UBA Membership.




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