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Find a Critical Illness Plan in your area

Plan options vary by location due to state requirements.
Please enter your five-digit zip code to start building the plan that’s right for you.

What does critical illness protection cover?

Guardian Direct covers 4 categories of life-changing illnesses.  Click on each to view coverage details.

See the Shopper's Guide to Cancer Insurance (last accessed 2019), provided by the National Association of Insurance Commissioners, to see if cancer insurance is right for you.

About critical illness protection

Critical Illness Protection Plus is a lump sum cash benefit payable directly to you after diagnosis of a serious illness. The cash benefit supplements your existing medical insurance and is usable in any way you choose, including to offset deductibles or copays, travel to treatment centers, household expenses, or even for experimental treatments.



How it works

Guardian Direct offers financial relief after you or a loved one receives a Critical Illness diagnosis.



Diagnosis Verified

After you or a family member are diagnosed with a critical illness, you present the diagnosis to Guardian for verification.



Cash Benefit Received

Guardian pays a lump sum cash benefit directly to you -- not to doctors or hospitals -- based on the verified critical illness diagnosis (no waiting period, no deductible, no lengthy process, no extra steps).



Bills Paid

Pay any bills you choose, from deductibles, copays and coinsurance to transportation to treatment centers to mortgage, groceries and childcare expenses or even to experimental treatments not covered by your medical insurance.

Who is eligible?

Determine if you are a good candidate for Guardian Direct Critical Illness Protection Plus before you apply.

Good candidates typically:

  • are in excellent health

  • have no pre-existing critical conditions

  • are under 65 years of age

  • have medical insurance

Good candidates do not have a history of: 

  • heart conditions

  • cancer or tumors

  • AIDS, HIV+ or other blood disorders

  • diabetes

  • chronic or progressive organ diseases

During quoting and checkout you will be asked some brief questions about your medical history to better
assess whether you would be eligible.

Frequently Asked Questions

Questions about Guardian Direct Critical Illness insurance?  We've got answers.

If you are diagnosed with a critical illness such as cancer, heart attack, stroke, or major organ failure, your financial burden can be overwhelming. Even with the best major medical insurance, you’ll still be responsible for deductibles, copays, coinsurance or other medical expenses that your major medical insurance doesn't cover.  And you'll need a way to continue paying everyday bills such as your rent or mortgage, your groceries, and other household expenses at a time when your income may be interrupted.
Guardian Critical Illness Protection Plus is an affordable way to give you and your family peace of mind.  Upon the verified diagnosis of a covered critical illness, Guardian will pay a lump sum cash benefit directly to you -- not to doctors or hospitals -- that can be used in any way you choose. You can even use your cash benefit for experimental treatments.
No. Guardian Critical Illness Protection Plus is a supplemental health insurance plan that is not a substitute for major medical coverage. It's designed to cover the out-of-pocket costs from a critical illness that your major medical plan does not fully cover. The cash benefit can be used in any way you choose to pay for expenses such as medical deductibles, other out-of-pocket medical expenses, travel to treatment centers, household expenses, or even for experimental treatments.
No. Guardian Critical Illness Protection Plus has no deductibles (amounts that you must cover before the plan pays benefits) and there are no waiting periods during which no benefits are paid.
The lump sum cash benefit associated with a covered critical illnesses is paid directly to you after Guardian verifies your diagnosis. There's no need to submit individual claim forms for each treatment!
Critical Illness insurance is for those who want to avoid a savings drain to cover the unexpected costs of a critical illness. If you'd rather establish your own rainy day savings, we respect that! But if your savings would have difficulty paying for the costs beyond what major medical insurance will cover, then give Guardian Critical Illness Protection Plus a look. A cash benefit can be used in any way you choose, to cover medical deductibles and copays, travel to treatment centers, household expenses, or even experimental treatments.
Yes, with Guardian Critical Illness Protection Plus you can see any doctor you choose. There are no restrictions on doctors, hospitals, or treatment centers that you can use.
See more FAQs


Individual Critical Illness insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Critical Illness Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides limited benefits only.

Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually up to age 75.

Critical Illness Individual Policy Form IP-CI-16 et. al.

New Mexico Residents - Important Notice

The coverage provided under your benefits plan or policy underwritten by Guardian is limited in nature and may not provide financial protection for significant costs that you could incur for the diagnosis or treatment of COVID-19 ("Corona virus") related illness.

If you do not have comprehensive major medical coverage, in addition to the plan or policy issued by our company, you may incur significant uninsured medical expenses associated with the diagnosis and treatment of illness caused by COVID-19.

Major medical plans offer robust consumer protections, and are required to waive all deductibles, co-pays and other cost sharing expenses for the diagnosis or treatment of COVID-19 related illness. Your policy or plan with us is not a major medical plan and does not provide such protections.

If you do not have major medical coverage, you may:

1. Contact a licensed insurance broker or agent to see about major medical coverage availability.

2. To see if you are eligible for a special enrollment period for major medical coverage through the New Mexico Health Insurance Exchange, contact beWellnm toll-free at 1-833-862-3935.

3. To see if you are eligible for Medicaid coverage and to complete an application, please call the Human Services Department's Medicaid Expansion Hotline toll-free at l-855-637-6574 or visit

4. To see if you are eligible for high risk pool coverage, please contact the New Mexico Medical Insurance Pool (the "High Risk Pool") at 1-844-728-7896 or If you are uninsured and have a COVID-19 diagnosis, your condition qualifies you for Pool coverage.

The Centers for Disease Control and the New Mexico Department of Health each have websites with considerable information on COVID-19. Visit each website at or Individuals who have symptoms consistent with COVID-19 should immediately call the NM Department of Health at 1-855-600-3453.


Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers