Critical Illness

Cover the extra costs that come with a serious illness.

Guardian’s Critical Illness plan provides ability for an insured to receive a lump sum benefit payment upon first and second diagnosis of any qualified critical illness. It is a supplemental option to your medical plan, no matter what type of coverage you have.

Services covered

Critical Illness plan covers 32 different illnesses.  Those illnesses are grouped into 4 major categories:

  • Vascular and organ failure
  • Cancer related
  • Neurological, injuries, and quality of life
  • Childhood conditions


The chart below shows the full list of covered illnesses, per category: 

Click here for more information

How it works

Benefits are paid directly to the covered member when they need it most, and claim proceeds are not limited to cover medical expenses.  Benefits can be used under the discretion of the covered member for things such as childcare, transportation and to fill in gaps in their medical plan, like co-pays and deductibles. Click here for additional information.

Rates per paycheck

Filing claims

For information on how to easily submit a Critical Illness Claim form, click here.

If you are ready to fill out a claim form, you can find it here.

Helpful resources

Guardian Anytime

Customer Service: 1-800-268-2525

For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-222-KISD (5473)