Guardian Group Cancer Insurance
Enhanced support during challenging times
Help lessen the emotional and financial impact a cancer diagnosis and course of treatment can have on employees. By offering benefits that help support early screenings and detection, you can make it easier for employees to be proactive about their health and well-being.
Mind
Reduce employee stress and worry regarding treatment costs for cancer, including chemotherapy, radiation, surgeries, and bone marrow transplants.
Body
Aid employees in taking an active role in their health and well-being by promoting covered cancer screenings and tests, including colonoscopies, mammograms, and PSA blood tests.
Wallet
Benefit payments are made directly to employees and can be used, at the employee's discretion, for both medical and non-medical expenses.
How does having Guardian Group Cancer Insurance make employees feel?
"Previously, I was at a point where I was considering dropping the insurance because my husband and I were both healthy. Thank God I didn't. When my husband was diagnosed with cancer and the bills were flooding in, having the Guardian insurance was an incredible blessing. Our office insurance person helped me with the claim and BOOM, two weeks later I received a check in the mail."
Linda Ragain, April 2025
Guardian Cancer Insurance
Provides a direct benefit payment to help with care-related costs.
Receive payments for certain cancer screenings and tests, too.
Guardian Long Term Disability Insurance
Provides income protection and financial support for day-to-day expenses.
Complimentary tailored support and personalized cancer support services through our partnership with Osara Health, including resources to help employees facing cancer manage their diagnosis. Learn more
Benefit payments with less effort
Eliminate the need to file multiple claims when you offer cancer insurance and short-term disability insurance, paid family leave, or state-mandated disability insurance with Guardian.
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. This is not applicable to those in the state of Arizona.
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.
Guardian’s Group Long Term Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.
Osara Health (“Osara”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Osara and Guardian are not affiliated entities. Osara provides a personalized support program through certified health coaches to address cancer management issues for the benefit of a member (“Services”). Services are designed for members 18 years+ of age, diagnosed with cancer, regardless of cancer type, stage, or prognosis. Services are not meant to provide medical advice/care. Medical advice/care should be sought from your independent healthcare provider(s). Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Osara reserve the right to discontinue Services at any time without notice. Services may not be available in all states.