1 Survivor views: cancer & medical debt. American Cancer Society Cancer Action Network. March 17, 2022. https://www.fightcancer.org/policy-resources/survivor-views-cancer-medical-debt

Guardian’s Group Cancer 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. 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 covered cancer. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-CAN-IC-12, et al; GP-1-LAH-12R. The state-approved form is the governing document.

Summary of plan limitations and exclusions

  • Conditional underwriting is one medical question as a part of the enrollment form.

  • In order to be eligible for coverage: Employees must be legally working: (a) in the United States or (b) outside the United States for a US-based employer, or in a country or region approved by Guardian.

  • A pre-existing condition includes any condition for which an employee, in the specified time period prior to coverage in this plan, consults with a physician, receives treatment, or takes prescribed drugs. Please refer to the plan documents for specific time periods. State variations may apply.

  • This plan will not pay benefits for:

    • Services or treatment not included in the Schedule of Insurance.

    • Services or treatment provided by a family member.

    • Services or treatment rendered for hospital confinement outside the United States.

    • Any cancer diagnosed solely outside of the United States.

    • Services or treatment provided primarily for cosmetic purposes.

    • Services or treatment for pre-malignant conditions.

    • Services or treatment for conditions with malignant potential.

    • Services or treatment for non-cancer sicknesses.

    • Cancer caused by, contributed to by, or resulting from: Participating in a felony, riot, or insurrection; intentionally causing a self-inflicted injury; committing or attempting to commit suicide while sane or insane; a covered person’s mental or emotional disorder, alcoholism, or drug addiction; engaging in any illegal activity; or serving in the armed forces or any auxiliary unit of the armed forces of any country.

    • Cancer arising from war or act of war, even if war is not declared.

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