Critical illness insurance: Getting you back to where you were.

If you have to deal with something big, like a heart attack, or stroke, critical illness insurance pays a lump sum to help cover expenses in the short-term, so you can focus on the long-term. 

Why critical illness insurance adds value to any benefits mix

Today, many Americans are turning to their employers for help with protecting their finances. Here are some reasons why:

Medical debt owed by individuals with high deductible health plans (HDHPs) caused the greatest stress

Read the Guardian Workplace Benefits Study, Benefits Optimization

Critical illness insurance is an excellent addition to the employee benefits mix, because it allows businesses to provide attractive, affordable added financial protection that responds to the needs of today without adding to their bottom lines.

Employees and their families can use critical illness insurance for any purpose, including:

  • Daily expenses
  • Copays and deductibles
  • Mortgage/rent
  • Utilities
  • Medical/travel expenses
  • Childcare
  • Groceries

How Guardian critical illness insurance goes further

With coverage for more than 30 diseases and conditions, Guardian critical illness insurance allows employers to provide employees with added protection:

  • Up to $50,000 in lump-sum coverage
  • Coverage for first and second occurrences
  • Guaranteed for businesses with 25 or more employees
  • The option to include hospital coverage for other illnesses or injuries
Direct employee support for COVID-19 and other infectious diseases

The Infectious Contagious Disease Benefit* offers employees direct, comprehensive support for the unique challenges posed by COVID-19, as well as for any future pandemics where serious illness is possible.

The optional benefit pays 30 percent of the lump sum critical illness insurance benefit to insured employees in the event of a COVID-19 diagnosis that confines an employee to a hospital for five or more consecutive days. It also applies to any future strains of the coronavirus that may cause severe illness and/or hospitalization, as well as any future emergence of a severe health threat caused by a virus.

Benefits for well care

Guardian’s Wellness Benefit is a standard feature of our voluntary coverages, including critical illness insurance. The Wellness Benefit pays employees for completing certain types of routine preventive care, such as annual physicals, mammograms, and colonoscopies. Employees can then use those payments to help cover the cost of their voluntary coverages. And because our coverage is priced competitively, employees can in many cases cover the cost of voluntary insurances in full with our wellness benefit!



Source: Medical Bankruptcy: Still Common Despite the Affordable Care Act, American Journal of Public Health (AJPH), March 2019. Unless otherwise noted, the source of all information is Guardian’s 9th Annual (2020) Guardian Workplace Benefits Study, Benefits Optimization.


The new Infectious Disease benefit is not available in NY, NJ, NM. States pending approval are CA, CO, ID and WA.

In New York, Critical Illness is known as Specified Disease.

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 not 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

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