Critical Illness
Protection for major health events
This insurance pays a cash benefit if you’re diagnosed with a covered condition, giving you extra financial protection when it matters most.
When You Can Enroll
You can elect critical illness within 31 days of becoming benefits eligible, during Open Enrollment, or within 31 days of a Qualifying Life Event.
What to Know
- You receive a lump-sum payment in the amount of up to $10,000 or $20,000.
- Serious illnesses covered by this insurance include stroke, cancer, and heart attacks.
- Employee coverage also covers eligible dependent children up to 26 years of age.
- Cost: Calculated based on your age – see chart. For coverage for your spouse, it is calculated on your spouse’s age – see chart.
- This plan pays a $50 benefit for one Be Well screening each year for you and other covered family members. The eligible screenings include:
- Annual exams by a physician, including sports physicals and well child visits, and dental and vision exams.
- Cancer screenings including pap smear and colonoscopy.
- Immunizations including HPV, MMR, tetanus, and influenza.
- Cardiovascular function, cholesterol, and diabetes screenings.
- You will need to have health insurance coverage to use this critical illness plan.
Example
Susan was sitting on the couch with her husband when she started having difficulty speaking and was experiencing numbness in her face. Her husband recognized Susan was having a stroke and immediately called 911. Thanks to his fast action, she made a full recovery following a hospital stay.
Because Susan had a critical illness policy, she received a cash benefit to help pay for her medical, transportation, and living expenses, as well as lost income from being off work during her recovery.
| Monthly Cost | ||
|---|---|---|
| Employee Coverage: $10,000 Spouse Coverage/RDP*: $10,000 | ||
| Age | Employee | Spouse |
| Under 25 | $1.60 | $1.60 |
| 25 – 29 | $2.20 | $2.20 |
| 30 – 34 | $3.20 | $3.20 |
| 35 – 39 | $4.30 | $4.30 |
| 40 – 44 | $6.40 | $6.40 |
| 45 – 49 | $9.40 | $9.40 |
| 50 – 54 | $14.30 | $14.30 |
| 55 – 59 | $20.50 | $20.50 |
| 60 – 64 | $29.80 | $29.80 |
| 65 – 69 | $44.00 | $44.00 |
| 70 – 74 | $65.70 | $65.70 |
| 75 – 79 | $90.10 | $90.10 |
| 80 – 84 | $117.40 | $117.40 |
| 85+ | $172.00 | $172.00 |
| Monthly Cost | ||
|---|---|---|
| Employee Coverage: $20,000 Spouse Coverage/RDP*: $20,000 | ||
| Age | Employee | Spouse |
| Under 25 | $3.20 | $3.20 |
| 25 – 29 | $4.40 | $4.40 |
| 30 – 34 | $6.40 | $6.40 |
| 35 – 39 | $8.60 | $8.60 |
| 40 – 44 | $12.80 | $12.80 |
| 45 – 49 | $18.80 | $18.80 |
| 50 – 54 | $28.60 | $28.60 |
| 55 – 59 | $41.00 | $41.00 |
| 60 – 64 | $59.60 | $59.60 |
| 65 – 69 | $88.00 | $88.00 |
| 70 – 74 | $131.40 | $131.40 |
| 75 – 79 | $180.20 | $180.20 |
| 80 – 84 | $234.80 | $234.80 |
| 85+ | $344.00 | $344.00 |
Critical Illness Provider: Unum
Unum is Caltech’s critical illness provider. Set up an account to manage your insurance benefits, file and track claims, upload documents, update personal information, and set up direct deposit for faster payments.
Website: learn.unum.com/Caltech
Download the mobile app:
Phone: (800) 635-5597 (M-F, 5 a.m. – 5 p.m. PT)
Plan Summaries and Resources
For full details, please review the plan documents.
Critical Illness Plan Summary (English)
Critical Illness Plan Summary (Spanish)
Critical Illness Plan Certificate
Caltech Be Well Flyer (English)
