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.

We want to help you focus on recovery, not your finances

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.

What are the benefits of our critical illness insurance?

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



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® 

2019-85450 (9/21)