Voluntary Benefits

ACCIDENT / CRITICAL ILLNESS / HOSPITAL / WHOLE LIFE

Virgin Voyages offers you the ability to enroll with voluntary worksite products that are directly deducted from your paycheck. These products include Accident Plan, Critical Illness, Hospital Indemnity and Whole Life coverages.

Phone

(800) 635-5597

Website

unum.com/employees

Accident Plan

Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.

Accident Plan Highlights
  • It can help you with out-of-pocket costs that your medical plan doesn’t cover, like copays and deductibles.
  • You’re guaranteed base coverage, without answering health questions.
  • The cost is conveniently deducted from your paycheck.
  • You can keep your coverage if you change jobs or retire. You’ll be billed directly.

Critical Illness

If you’re diagnosed with a Critical Illness that is covered by this insurance, you can receive a benefit payment in one lump sum. You can use the money however you want.

Critical Illness Highlights
  • The money can help you pay out-of-pocket medical expenses, like copays and deductibles.
  • You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions. If you have a different condition later, you can receive another benefit.
  • This insurance pays you once for each eligible illness. However, the diagnoses must be at least 90 days apart, and the conditions can’t be related to each other.

Hospital Insurance

Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you – not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays and deductibles.

Hospital Insurance Highlights
  • The benefits in this plan are compatible with a Health Savings Account (HSA).
  • Wellness Benefit: Based on your plan, this benefit can pay $50 per calendar year per insured individual if a covered health screening test is performed, including: blood tests, chest X-rays, stress tests, mammograms, and colonoscopies.
  • A full list of covered tests will be provided in your certificate.

Whole Life Insurance

You can keep Whole Life Insurance as long as you want. Once you’ve bought coverage, your cost won’t increase as you age. The benefit amount stays the same, too — it doesn’t decrease as you get older. That means you get protection during your working years and into retirement. You can borrow from that cash value, or you can buy a smaller, paid-up policy — with no more premiums due.

Whole Life Insurance Highlights
  • It’s more affordable when you’re younger. Once you’ve bought coverage, your cost stays the same as long as you keep it.
  • The cost is conveniently deducted from your paycheck.
  • Whole life gives you valuable protection in addition to any term life insurance you might have.