Critical illness insurance
In New York, critical illness insurance is called specified disease insurance.
Critical illness insurance can bring added ease and financial support to employees to help keep them going in life and in work, especially during times of serious illness. A sought-after benefit, since more than 40% of workers with high-deductible health plans indicate that they ignored medical advice or neglected their own care in order to avoid paying certain out-of-pocket costs toward their deductible.1
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Stability and Support: Critical illness and cancer insurance (on-demand virtual event)
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Why critical illness insurance
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Why New York specified disease insurance
In New York, critical illness insurance is referred to as specified disease insurance.
A built-in health screening benefit to help employees stay healthy
Encourage employees to stay on top of their physical health and well-being. The benefit pays employees once a year when they complete certain health-related activities.² Even if the cost of those tests were originally covered by other insurance. That benefit payment helps motivate employees to go for routine, highly valued screenings such as a stress test or serum cholesterol. Share the following to help ensure they take advantage.
Critical illness insurance - Health screening benefit (PDF)
Critical illness insurance - Health screening benefit (Spanish PDF)
Specified disease insurance - Health screening benefit (PDF)
Specified disease insurance - Health screening benefit (Spanish PDF)
Critical illness/NY specified disease claims and FAQs
- Submitting a claim – Critical Illness (PDF)
- Submitting a claim – Critical Illness (Spanish PDF)
- Critical Illness - FAQ (PDF)
- Critical Illness - FAQ (Spanish PDF)
- Submitting a claim - NY Specified Disease (PDF)
- Submitting a claim - NY Specified Disease (Spanish PDF)
- NY Specified Disease FAQ (PDF)
- NY Specified Disease FAQ (Spanish PDF)
1 Benefits Optimization 2023: How supplemental health benefits and omnichannel communications support workforce well-being, 12th Annual Guardian Workplace Benefits Study
² One wellness benefit per calendar year per covered person if a covered person has a wellness test or procedure performed while coverage is in force. See your plan details for benefit amounts.
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Guardian’s Accident, Critical Illness, Cancer, Hospital Indemnity, and Specified Disease 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. Plan documents are the final arbiter of coverage. This policy provides limited benefits health insurance only. It does not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. Policy Form No. GP-1-ACC-18, GP-1-CAN-IC-12, GP-1-HI-15, GP-1-CI-14, CI-23-P.
GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America®