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Accident, critical illness and hospital indemnity

Administered by Prudential

UC’s accident, critical illness and hospital indemnity plans pay cash benefits directly to you when you or an enrolled dependent experiences a qualifying injury, critical illness, or hospital stay. 

  • Full Full eligibility available
  • Mid Mid eligibility available
  • Core Core eligibility available
  • Retirees Retirees eligibility available

Premium costs

If you choose to enroll, you pay the premium for coverage for yourself and your dependents. See below for monthly premium costs, depending on the coverage you choose and who you cover.

How to enroll

Newly-hired employees have a 31-day period of initial eligibility (PIE) to enroll in accident, critical illness and/or hospital indemnity insurance. Your next opportunity to enroll will be during UC’s annual Open Enrollment unless you have a mid-year qualifying event.

How the plans work

Visit ucplus.com to learn more about the benefits offered by each plan with Prudential. If you have questions or need assistance filing a claim, call the Prudential customer service team at 855-483-1438.

Accident insurance

Pays cash benefits if you receive services related to an accident, such as emergency room and urgent care visits, ambulance transport, X-rays, surgery, physical therapy and more.

Critical illness insurance

Pays a lump-sum benefit if you are diagnosed with certain critical illnesses, such as cancer, heart attack, stroke and more. 

Hospital indemnity

Pays a pre-determined cash benefit if you’re admitted to the hospital due to an accident or illness, or for maternity care, and continues to pay a cash benefit for every day you’re in the hospital, up to 30 days.