Critical Illness Insurance
The plan is simple. Take a look at the following example of ‘Jane’, who has a benefit of $10,000. 2 • Jane is diagnosed with thyroid cancer • She is in remission for 15 months, and then diagnosed with lymph node cancer • Six years later, she has a heart attack
Condition
Formula
Benefit Payment
Thyroid Cancer (1st Occurrence) Lymph Node Cancer (2nd Occurence)
100% x $10,000 50% x $10,000 100% x $10,000
$10,000 $5,000 $10,000 $25,000
Heart Attack
Total
Guardian® covers the first occurrence while a member is covered under the plan. Recurrence of the same condition is covered after 12 symptom and treatment free months (does not include maintenance medications or follow up visits.) First occurrence of related conditions is covered after 3 months. First occurrence of unrelated conditions are covered immediately. Speak to your Guardian representative for more details.
Contact your Guardian Group sales representative for more information.
The Guardian Life Insurance Company of America New York, NY guardianlife.com
In New York Critical Illness is known as Specified Disease. 1 The Guardian Workplace Benefits Study SM : Ninth Annual, 2020. 2 Example is for illustrative purposes only and is not intended to represent the actual benefit amounts for this product. 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. 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. Critical Illness Policy Form No. GP-1-CI-14, GP-1-LAH-12R. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® ©Copyright 2020 The Guardian Life Insurance Company of America.
2021-117062 (2/23)
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12 EMSERE - FULLY EQUIPPED 2024 BENEFITS GUIDE
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