Guardian’s critical illness insurance now has double the number of covered diseases and conditions and is the first to offer coverage for preventive measures taken as a result of having the BRCA1 or BRCA2 genetic mutation.

Caring for the whole family

Our broad coverage opens up more coverage possibilities for employees and their families. Designed with employee quality of life in mind, our critical illness insurance features more ways to address emotional, physical, and financial well-being, including:

  • Family planning benefits that support employees during infertility treatments or if there are pregnancy or delivery complications.
  • Coverage for childhood illnesses and disorders such as autism, cleft lip/palate, and congenital heart defect.
  • Mental health support from taking an assessment, to benefits for conditions such as severe depression, postpartum depression, or Post Traumatic Stress Disorder.
  • Health screening benefits that include mammograms, colonoscopy, as well as routine/annual physicals and immunizations, both of which cover COVID-19 testing and vaccines.
  • And since pets are family too, there are benefits for overnight pet boarding should hospitalization be required for a covered illness.

The power of simple

Guardian removes the barriers of complexity that keep employees from choosing, trusting, and using their benefits to the fullest. Here are a few of the innovative ways we’re bringing added ease, convenience, and simplicity to how Guardian critical illness insurance benefits are understood, used, and managed:

  • Benefits explained in simpler language, so employees understand what their benefit can do for them.
  • Earlier payouts for earlier stages of conditions like Alzheimer’s, Multiple Sclerosis (MS), and Parkinson’s Disease
  • Seamless claims integration that automatically checks for eligibility across all supplemental health coverages when a Guardian Short Term Disability, paid family medical leave, or a state-mandated disability claim comes in. This means the employee can receive all benefits to which they are entitled without having to submit multiple claims.
  • One carrier, one bill, and one plan number, so there’s one less thing for HR to manage.

What’s critical illness insurance all about?

Your people. And protecting their well-being in good times and bad. 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, and groceries. Learn more about Guardian’s critical illness offering.


Download the highlight sheet

Now is the time to offer supplemental health coverage like critical illness insurance.

Employers looking for unique ways to show employees how much they’re valued are increasingly turning to benefits that can help boost employee financial confidence and overall well-being.

Supplemental insurance on the rise


We’re excited to bring our enhanced critical illness product features across the nation as each state approves them. 

For more information, please contact your broker or Guardian representative.

2023 Supplemental Health Webinar Series
Register today


Chart data is from Benefits optimization: How supplemental health benefits and omnichannel communications support workforce well-being, 11th Guardian Workplace Benefits Study, 2022. P. 7

This advertising content is not currently intended for anyone in the state of Arizona or New Mexico.

Guardian’s Group 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. This is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity payment, following the diagnosis of a critical illness. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # CI-23-P, et al. The state approved form is the governing document.

Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY. ©Copyright 2023 The Guardian Life Insurance Company of America.

2023-153833 20250430