Critical illness insurance helps put the focus on recovery, not finances.
Critical illness insurance is a good option for anyone who wants additional financial protection that can help them preserve savings or minimize debt in the event of a serious health condition. We offer policies available through many employers.
Our policies provide insured employees with financial support upon the diagnosis of more than 30 serious illnesses. Employers can design coverage that fits their employees’ needs. Generally, critical illness insurance will include stroke, cancer, heart attacks, Parkinson's disease, and more. Our policies can provide financial support of up to $50,000 in a lump sum payment.1
It's a cost-effective way to supplement your finances, which can be stressed by additional expenses that come with a critical illness. Plus, some of our policies pay out benefits when you take proactive steps to prevent and diagnose a serious illness.
Let’s help you find what you need.
We work with many employers to provide their employees with critical illness insurance as part of their benefits package. If you want to elect Guardian critical illness insurance through your employer, please speak to your benefits or human resources department.
Critical illness insurance is a great way for companies to help employees add more financial protection they can use in the event of a critical illness diagnosis. We provide businesses with greater flexibility and optional features to meet their unique situation.
Connect us to your benefits broker and we’ll work with your team to determine the best coverage for your company’s needs.
1 Lump sum payment amounts, wellness benefits, and hospitalization benefit are optional plan choices determined by your employer.
In New York, Critical Illness is referred to as Specified Disease.
Guardian’s Group Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity payment, following the diagnosis of a critical illness. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-CI-14; CI-23-P. The state approved form is the governing document.
Critical illness insurance pays you directly without any deductible or extra waiting time after your claim is verified.
The money you receive from your critical illness insurance can be used however you want, covering anything medical bills to monthly rent.
Once you are insured, our plans have you covered for the long term, paying you a lump sum of $1,000 up to $50,000 — depending on plan design — when you receive a new diagnosis of a previously undiagnosed critical illness. After you recover, if you are diagnosed with a new occurrence of the same critical illness, while still insured, we’ll be there for you, offering a lump-sum payout of $500 to $25,000.1
Our critical illness plans include a wellness benefit paid to you after completing certain types of preventive care, such as wellness visits, mammograms, and colonoscopies. Some policies also offer a hospital admission benefit should you end up in the hospital for certain illnesses.1
Your medical plan helps cover a wide range of medical expenses — like doctor visits, hospital stays, surgeries, and prescriptions. It typically pays your health care providers directly and may include deductibles, copays, and coinsurance.
Critical illness insurance works differently. It provides a lump-sum benefit if you’re diagnosed with a covered critical illness. This benefit is paid directly to you — not your doctor or hospital — so you can use it however you need.
