Employee Benefits / Workplace Benefits
Cancer Insurance

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Enabling your employees to manage the cost of cancer: Financial help when it’s most needed

About one million people are diagnosed with cancer each year.1 But the good news is that more and more people are surviving it.2 If one of your employees is diagnosed with cancer, they’ll likely face a financial burden that they may need help managing. And often, they’re not aware that they may have major monetary gaps – even if they have medical and disability coverage.

Cancer treatment can require multiple hospital visits, as well as expensive medications. Coping with cancer also puts pressure on meeting everyday expenses, including child care, groceries, utilities, rent, and mortgage payments.

Cancer insurance can cover your employees, and their dependents, by providing payments directly to the employee for covered cancer-related expenses, which can relieve a lot of the financial strain. These payments are made regardless of any other insurance coverage.

As an employer, you can make a vital difference by offering employees the ability to protect themselves financially, while building an attractive benefits package. You can offer this coverage affordably to employees, at no additional cost to you. Employees who have a family history of cancer will particularly appreciate this benefit.

3x

People with cancer are three times more likely to go bankrupt than people without it.3

Benefits of Guardian Cancer Insurance

  • Direct payment. The payments for treatments and related expenses are made directly to the employee, not to the hospital or other medical providers. There are no limitations on the way they spend the money.

  • Choices in protection. You can choose from multiple levels of coverage and reimbursement for your employees. 

  • Options to increase coverage. With additional features called “riders,” the coverage can be customized and extended. The Wellness Rider pays employees $50-$150 for screening procedures such as mammogram and colonoscopy.

CANCER AFFECTS MILLIONS EACH YEAR
Unfortunately, cancer is common. Cancer insurance can help pay for the extra expenses, medical or personal, your employees could face.

Some Of The Treatments And Services Covered Include:

  • Cancer Screening
  • Cancer Initial Diagnosis
  • Second Surgical Opinion
  • Hospital Confinement
  • Many Types of Cancer Surgery
  • Experimental Treatment
  • Medical Imaging
  • Anesthesia
  • Radiation Therapy and Chemotherapy
  • Anti-Nausea Medication
  • Home Health Care
  • Companion Transportation
  • Attending Doctor Visits

WHY GUARDIAN FOR WORKPLACE BENEFITS?

At Guardian, we offer a full suite of benefits that can truly make a difference for your employees by protecting their income or savings, or even their health.  We focus on benefits, so you can focus on running your business.

MORE ON GUARDIAN’S BENEFITS PROGRAMS

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1American Cancer Society: Cancer 

2 American Cancer Society, Cancer Facts & Figures 2014 

3Morbidity and Mortality Weekly Report (MMWR)-QuickStats, February 26, 2010 / 59(07);199, Centers for Disease Control (CDC)

Guardian's 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.  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 #GP-1-Can-IC-12 et al.