Who is critical illness insurance for?
Critical illness insurance is a good, supplemental option for people who already have health insurance, because it gives you additional money to pay for expenses like deductibles. We offer policies you can buy from us directly and policies available through many employers.
What does critical illness insurance cover?
Critical illnesses include stroke, heart attacks, Parkinson’s, cancer, and more. Our policies can cover over 30 major illnesses. If you happen to get diagnosed with one of these illnesses, our plans can pay you a lump sum of up to $50,000.1
Why should I consider critical illness insurance?
It’s an affordable way to supplement and pay for the additional expenses your health insurance doesn’t cover. Plus, some of our policies pay out additional cash if you find yourself in the hospital for less serious illnesses or injuries.
Thirty-four percent of Americans with medical insurance find it difficult to afford their deductible. 2 A critical illness plan helps secure your savings from unexpected illnesses because it pays out money you can use for the expenses your primary health insurance won’t cover.
Critical illness insurance pays you directly in cash 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 from medical costs to non-medical costs like your monthly rent.
Our plans have you covered for the long term, paying you a lump sum of $1,000 to $50,000 when you’re first diagnosed with a critical illness. If you ever receive a second diagnosis, we’ll still be there for you, offering a lump-sum payout of $500 to $25,000.1
With the right plan, you may have access to additional wellness benefits for preventative services. We also offer a hospitalization admission benefit of up to $5001 a day should you end up in the hospital for a non-critical illness or injury.
If you’re looking to purchase your own coverage, you’re in luck. Guardian offers critical illness insurance for purchasing online without a financial representative.
We work with many employers to provide their workers 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.
Already have Guardian critical illness insurance through work?
Log in to your account to file a claim and more.
Critical illness insurance is a great way for companies to help their employees cope with the increasing cost of today’s medical plans. We provide businesses with greater flexibility and optional features to meet their unique situation.
Talk to your broker to get started
Connect us to your benefits broker and we’ll work with your team to determine the best coverage for your company’s needs.