Belk offers three optional benefits plans that provide an additional layer of financial protection if you face a serious illness, accident, or hospital stay. Coverage is provided by Unum.

Accident insurance

Accident insurance

Covers the costs associated with an accident

Critical illness insurance

Critical illness

Covers the costs associated with a critical illness, such as cancer

Hospital indemnity insurance

Hospital indemnity insurance

Covers the costs associated with a hospital stay

These plans are separate from the medical plan and pay a lump-sum cash benefit if you have a covered condition. You can enroll in all three plans, two, or one.

For these plans, the cash benefit paid out is yours to spend as you see fit. For example, you can use the money to cover your deductibles, copays or coinsurance, or it could come in handy for additional living expenses that arise as a result of the condition — such as expenses for travel, child care or household help.

For additional details about supplemental health benefits, refer to the documents available in the left navigation menu.

Accident Insurance

For coverage, you must enroll and pay the premium.

  • Pays a lump-sum cash amount if you suffer an accident or injury that involves medical treatment. Choose from a high or low plan; see the Overview and Certificate of Coverage documents.
  • Rates are determined based on the coverage you choose and whether you select associate only or family coverage

Watch this video to learn more about accident insurance.

Critical Illness Insurance

For coverage, you must enroll and pay the premium.

  • Pays a lump-sum benefit of $10,000 or $20,000, depending on the level of coverage you choose, if diagnosed with a covered condition such as heart attack, cancer or stroke
  • Lesser benefit amounts are paid out for less serious conditions
  • Rates are based on your coverage amount and your age

Review the Overview and Certificate of Coverage documents, or watch this video to learn more.

Critical Illness Be Well Benefit

The Critical Illness plan includes a Be Well Benefit. Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, such as:

  • Immunizations, including COVID-19, HPV, MMR, tetanus, influenza
  • Annual exams by a physician (including sports physicals) for adults and well-child visits
  • Screenings for cancer, including pap smear, colonoscopy
  • Cardiovascular function screenings
  • Screenings for cholesterol and diabetes
  • Imaging studies, including chest X-ray, mammography


Why Choose Accident or Critical Illness Insurance?

You may think that the medical plan is the primary plan for financial protection from medical costs. However, a combined approach — choosing a less expensive medical plan and combining it with critical illness or accident insurance — may be a better value and potentially provide even greater protection.

For example, let’s say you are considering one of Belk’s medical plans because you are generally healthy and may typically have low usage during the year, but you decide to enroll in critical illness insurance because you want to be protected from serious “what if” scenarios. If you are diagnosed with a covered condition, like cancer, critical illness insurance will pay a large lump sum you can use toward your deductible.

Hospital Indemnity Insurance

This plan pays a benefit if you are admitted to a hospital due to injury or illness. Low and High coverage options for yourself and family members are available.

Hospital indemnity insurance helps you manage expenses if you or a loved one becomes unexpectedly hospitalized. If you or a loved one is admitted to the hospital, this insurance helps cover the costs of care. This plan provides benefits for hospitalization due to accidents and sicknesses, such as:

  • Admission to a hospital
  • Intensive Care Unit stays
  • Hospital stays
  • Inpatient Rehab Unit stays (accidents only)
  • Admission to an Intensive Care Unit

Review the Overview and Certificate of Coverage documents or watch this video to learn more.


There is a pre-existing exclusion for covered sicknesses. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details.