The Infectious Contagious Disease Benefit offers employees direct, support for the unique challenges posed by COVID-19. In addition, it covers 11 other infectious and contagious diseases.
The benefit will pay 30 percent of the lump sum critical illness insurance coverage in the event an employee is diagnosed by a doctor with one of the covered diseases while insured by Guardian, and confined to a hospital for five or more consecutive days as a result of the disease.1
This optional benefit helps to protect employees in the event of a COVID-19 diagnosis. It also applies to any future strains of the coronavirus that may cause severe illness and hospitalization.
- Antibiotic resistant bacteria (including MRSA)
- Legionnaire’s Disease
- Lyme Disease
- Necrotizing fasciitis (flesh eating bacteria)