About the Plans

You’re painting the kitchen and slip off the ladder. Your child gets hurt playing soccer. You get rear-ended on your way home from work. Accidents and injuries happen when you least expect them, and most people don’t budget for these unexpected events.

Accident insurance adds an extra layer of financial support to supplement your UC medical and disability benefit plans. If you receive services for a covered accident, such as an ER or urgent care visit, surgery, X-rays or physical therapy, you will get a cash benefit from Prudential paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.

Benefits for testing, treatment and hospitalization are available through the Critical Illness and Hospital Indemnity plans.

What’s Covered

The following are common services that will trigger a benefit payment, when received as the result of a covered accident. The benefit you receive is based on the specific medical care received.

This listing does not reflect each and every benefit, exclusion or limitation which may apply. For complete information, refer to the Accident Certificate of Insurance [PDF].

*$200 per day confinement benefit begins on day two after admission.

Cost of Coverage

If you or someone you know has been diagnosed with a critical illness, you’ve seen the toll it takes on the individual and their family—physically, emotionally and financially. The UC Plus Critical Illness plan provides a cash benefit for covered critical illnesses, such as a heart attack or stroke, providing financial support you can count on when you need it most.

Critical Illness insurance adds an extra layer of financial support to supplement your UC medical and disability benefit plans. If you experience a covered critical illness, you will get a cash benefit from Prudential paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.

The Critical Illness plan provides coverage for a limited number of pre-determined illnesses, including cancer, heart attack, stroke, and severe burns. A complete list of qualifying illnesses is available for review in the Critical Illness plan Certificate of Insurance [PDF].

What’s Covered

The following are examples of covered critical illnesses.

This listing does not reflect each and every benefit, exclusion or limitation which may apply. For complete information, refer to the Critical Illness Certificate of Insurance [PDF].

Cost of Coverage

Rates are based on level of coverage and age. Coverage for eligible dependent children is free when you cover yourself. Just add your dependent children after you enroll yourself.

The monthly premiums shown below are for each covered adult. Spouses must be enrolled separately. You and your spouse must enroll in the same coverage option (either both in the $10,000 option or both in the $30,000 option). Because rates are based on age, you and your spouse (if enrolled) may have different monthly premiums.

Monthly Premium by Age

Even a minor trip to the hospital can result in unexpected expenses. When you have a hospital stay, the UC Plus Hospital Indemnity plan pays a predetermined dollar amount directly to you when you’re admitted to the hospital for a covered accident or sickness, including maternity care and COVID-19. It continues to pay a cash benefit for every day you’re in the hospital, up to 31 days.

Hospital Indemnity insurance adds an extra layer of financial support to supplement your UC medical and disability benefit plans. If you are admitted to the hospital or have an inpatient hospital stay, you will get a cash benefit from Prudential paid directly to you—over and above what any other insurance plan pays. You decide how to use the funds.

What’s Covered

This plan provides coverage for hospital admissions and daily confinement benefits. No coverage is available for medical treatment or services provided at a hospital.

This plan does not cover visits to the emergency room when you are not admitted to the hospital.

This listing does not reflect each and every benefit, exclusion or limitation which may apply. For complete information, refer to the Hospital Indemnity Certificate of Insurance [PDF].

*$200 per day confinement benefit begins on day two after admission.

Cost of Coverage