Critical Illness

Critical Illness Insurance Helps You Focus on Recovery, Not Finances

A serious illness can have serious financial consequences, even if you have health insurance. Learn how you can reduce financial burdens with critical illness insurance:

Why choose Guardian for your critical illness insurance

If you suffer a critical illness such as cancer, heart attack or stroke, your financial burden may include many expenses not covered by medical insurance. Everyday bills such as rent or mortgage will have to be paid, even though your income may be compromised. You may have to travel to a treatment center in another city. And even with the best medical insurance, you’ll still be responsible for co-pays and more.
Guardian Critical Illness coverage is an affordable way to protect yourself from these un-affordable expenses. Your benefits go directly to you and can be used for any purpose – from buying groceries to covering deductibles.
Critical Illness Insurance pays you a lump-sum of $1,000-50,000 upon first diagnosis of a specified critical illness and $500-25,000 upon second diagnosis – money that can be used however you deem fit. You may also have access to a wellness benefit for preventive services, and a hospitalization admission benefit of up to $500 a day should you suffer an accident or non-critical illness.*

*Lump sum payments, wellness benefits and hospitalization benefit are optional plan choices determined by your employer.
Please note that Critical Illness coverage may be referred to as Specified Disease coverage in your policy or certificate booklet. File #2016-20150
Guardian’s Critical Illness 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. Policy Form number #GC-CI-11 et al.