Unum offers a new group insurance solution

July 2023

Premium Protection is a new group insurance solution from Unum Życie TUiR that goes beyond the standard definition of a group policy. It provides comprehensive support for employee health problems: from prevention to diagnosis and assistance in returning to work.

“The research commissioned by Unum and Polish media company Agora1 in August 2022 shows that almost every second Pole has experienced health problems in the last year themselves or their family members. Almost every fourth respondent experienced orthopedic problems, and every fifth cardiological. 17% of Poles struggled with mental difficulties, and 15% and 13% with diabetes and thyroid diseases, respectively.

Over 60% of the respondents had to reach into their own pockets to cover the cost treatment, mainly (70%) due to the long waiting time for free medical services. In illness, time and quality of treatment are of key importance, which is why Unum group insurance today provides not only money, but also a number of services that will help employees recover faster,” says Joanna Grudnik, Director of the Group Insurance Sales Department at Unum.

Premium Protection is life insurance with a choice of different packages, and each of them provides assistance not only in the event of a diagnosis.

Depending on the selected package, the insured employee or their covered relatives can count on Unum to arrange for medical examinations in the field of prevention or diagnostics.

In the event of health difficulties, they can take advantage of a pre-diagnosis or a second medical opinion. Unum will also arrange for rehabilitation, medical consultations and medical examinations or psychological assistance.

Premium Protection ensures the payment of the benefit and assistance in the treatment of diseases that Poles more and more often experience: diabetes, asthma, thyroid diseases, and celiac disease.

The package includes diagnostic tests without referral for diabetes and thyroid diseases.  And if one of the lifestyle diseases is diagnosed, the insured person will receive money.

Lifestyle diseases or diseases of civilization are as follows: bronchial asthma, celiac disease, thyroid disease, obstructive pulmonary disease, coronary artery disease, gastric and duodenal ulcers, type 1 diabetes, type 2 diabetes, and gout.

Unum group policies can be tailored to the individual needs of each employee. Thanks to additional packages, each employee can adjust the scope of protection to their preferences and needs due to age, family situation, work specifics or health situation.

U-LIFE PROTECTION
A classic life insurance, ensuring the payment of money to the beneficiaries in the event of the death of an employee or their relatives, if they are covered by the insurance.

U-PROTECTS HEALTH
Provides access to medical services and money in the event of a serious illness, surgery or hospital stay, which can be used to cover the cost of treatment.

U-PROTECTS A CHILD
Financial support and medical assistance in the form of examinations, additional medical consultations in the event of an accident or illness of a child.

U-PROTECTS ONCOLOGICALLY
In the event of a diagnosis of a malignant or borderline malignant neoplasm, it provides financial support and a range of services and medical tests useful during treatment.

U-PROTECTS THE HEART
Provides payment of money and access to medical services and tests in the event of a diagnosis of cardiac diseases. Once a year, without a referral, the insured can receive diagnostic tests that can help detect the disease at an early stage.

U-PROTECTS ACTIVE
Financial support and quick access to a range of services and medical examinations useful in post-accident treatment.

U-SUPPORTS LIVING IN HEALTH
Provides payment of money in the event of falling ill with one of 9 lifestyle diseases. In addition, the package also includes diagnostic tests without referral for diabetes and thyroid diseases. Unum will also organize psychological support in the event of a diagnosis of certain mental illnesses.

U-SUPPORTS HEALTHY HABITS
Unlimited access to teleconsultations with doctors of 19 specialties, access to preventive examinations and consultations with a dietitian.