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.

How it works

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

Added protection for Coronavirus

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.

Covered infectious diseases

  • Antibiotic resistant bacteria (including MRSA)
  • Coronavirus
  • Diphtheria
  • Encephalitis
  • Legionnaire’s Disease
  • Lyme Disease
  • Malaria
  • Meningitis
  • Necrotizing fasciitis (flesh eating bacteria)
  • Osteomyelitis
  • Rabies
  • Tuberculosis

Ready to add this benefit to your critical illness insurance coverage?

Talk to your Guardian Representative today.

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1If the covered person dies before completing 5 consecutive day(s) of hospital confinement, we will pay this benefit so long as all other terms of this benefit are satisfied.

2The new Infectious Diseases benefit is currently available in 41 states.

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. Lan documents are the final arbiter of coverage. We do not pay this benefit for any disease or illness that is not specifically listed in the definition of infectious or contagious diseases. Guardian covers only the first occurrence of an infectious disease, and pays one benefit per person, per lifetime.

The policy has exclusions and limitations that may impact the eligibility for or entitlement to benefits under each covered condition. See the certificate of coverage or contact your sales representative for full details.

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America® ©Copyright 2021 The Guardian Life Insurance Company of America, New York, N.Y.

2021-118514 20230331