Employees experiencing unexpected health challenges need support – not mounting bills, paperwork, and stress. Offering supplemental health insurance  can be an affordable way that your clients can help.

Guardian offers a full suite of supplemental health benefits, including:

While these products are available individually, real value and convenience can take shape when employers offer a full suite of supplemental health benefits. With Guardian as your carrier of choice, your clients can count on simple, affordable value that helps you create productive, lasting relationships.

The Guardian difference

Streamlined implementation. A single point of contact to help ensure benefits are ready when your clients are ready to have employees enroll.

Personalized enrollment strategies. Our approach educates and engages employees in the ways they prefer, so they can understand the value of the supplemental health offerings you are delivering to clients. Guardian offers multiple options to help employees feel confident about their benefits decisions—from one-on-one counseling to self-guided online tools, and more.

A proactive approach to claim settlement. When a short-term disability, accident, cancer, critical illness, or hospital indemnity claim comes in, we automatically look across all  supplemental health coverages that could apply — no additional questions or paperwork required.  We’ll process the claim with all other coverages that apply, then deliver all the qualifying benefits to the employee in one check.

No matter how many Guardian supplemental health benefits you offer, your clients benefit from the simplicity of our system. We make benefits administration easier with:

  • One dedicated client service team focused on understanding your clients’ needs
  • One intuitive self-service portal with easy access to reports, eligibility and billing information, claims forms, and more
  • One customer service number where your clients can reach our knowledgeable and compassionate service representatives for assistance 
  • One EDI file accepted for all Guardian products, resulting in a quicker setup process that helps save money
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Willis Towers Watson, “5 fastest growing voluntary benefit offerings,” Benefits Pro, 2021

For agent/broker use only. Not for use with the general public.

Guardian's Accident, Cancer, Critical Illness and Hospital Indemnity products are 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 advertising content is not currently intended for anyone in the state of New Mexico.]

For Wyoming residents:
Cancer Insurance Disclosure Information
Right to Return: If you are not satisfied, you may return the certificate within 30 days after receipt. The amount of premium you have paid will be refunded provided no claim has been incurred during the 30-day period. Your certificate will then be void, as though you had never applied for the insurance.

Proof of Insurability: If your plan requires proof of insurability, it will be shown in the schedule of insurance. Your coverage may not become effective until you submit proof of insurability to us.

Pre-Existing Conditions: If your plan has a pre-existing condition limitation, it will be shown in your certificate. A pre-existing condition is a cancer, whether diagnosed or misdiagnosed, for which in the 90 days before you become covered by this plan, you: (1) received advice or treatment from a doctor; (2) underwent diagnostic procedures; (3) were prescribed or took prescription drugs; or (4) received other medical care or treatment, including consultation with a doctor. This plan will not pay benefits for cancer that is caused by, or results from, a pre-existing condition if the cancer occurs during the first 12 months that you are covered by this plan.

Exclusions: This plan will not pay benefits for the following: services or treatment not included in the schedule of insurance; services or treatment provided by a family member; services or treatment provided primarily for cosmetic purposes; services or treatment for premalignant 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: (1) participating in a felony, riot or insurrection; (2) intentionally causing a self-inflicted injury; (3) committing or attempting to commit suicide while sane or insane; (4) your mental or emotional disorder, alcoholism or drug addiction; or (5) engaging in any illegal activity; or (6) 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.

Benefits: Your plan may include the following benefits: air ambulance; alternative care (palliative care or Lifestyle benefits); ambulance; anesthesia; anti-nausea medication; attending doctor; blood, plasma and platelets; bone marrow and stem cells; cancer screening, cancer screening follow-up; experimental treatment; extended care facility/skilled nursing care; government or charity hospital; home health care; hormone therapy; hospital confinement; immunotherapy; intensive care unit confinement; inpatient special nursing; medical imaging; outpatient and family member lodging; outpatient or ambulatory surgical center; physical or speech therapy; prosthetic devices; radiation therapy and chemotherapy; reconstructive surgery; reproductive benefits; second surgical opinion; skin cancer; surgical benefits; and transportation/companion transportation.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® 

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