What are the benefits of our critical illness insurance?

  • 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.

Here’s how you can get critical illness insurance with us

  • 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.

Need more information? Here are resources to help you learn and compare.



Lump sum payments, wellness benefits and hospitalization benefit are optional plan choices determined by your employer.

Guardian's 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.  Plan documents are the final arbiter of coverage. This policy provides limited benefits health insurance only.  It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.  Policy Form # GP-1-CI-14.

Individual Critical Illness insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York. Products are not available in all states.  Policy limitations and exclusions apply.  The actual limitations and exclusions that apply to your Critical Illness Plan are governed by the policy forms approved for use in your state.  Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides limited benefits only. Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually up to age 75. Critical Illness Individual Policy Form IP-CI-16 et. al.

This advertising content is not currently meant for anyone in the state of NM.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® 

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