Guardian Critical Illness Protection Plus Gold
Coverage Summary(see your policy for further details) |
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How it Works |
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Critical Illness Protection Plus is a lump sum benefit that can supplement your existing medical coverage. It can help with expenses that medical insurance typically does not cover. Upon diagnosis of a covered critical condition, you will be eligible to receive a lump sum payout as described in the schedule below. That lump sum can be used in any way you choose, including to offset deductibles, other out-of-pocket costs, or services such as experimental treatments. |
Your Plan Benefits |
Guardian Pays% of $20,000 lump sum plan benefit |
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Heart & Vascular Conditions |
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Cancer Related Conditions Invasive Cancer is a cancer that has spread from its site of origin to adjacent tissues Non-Invasive Cancer or Carcinoma in Situ is a cancer that is confined to the location from which it started, and has not spread to adjacent tissues |
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Major Organ Failure Other Major Organ Failure is the irreversible failure of both lungs, liver, pancreas, or bone marrow |
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Certain Plan Limitations |
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Multiple Critical Illness Conditions at the Same Time | When one Critical Illness condition causes or contributes to another Critical Illness condition, the plan benefit is limited to only one Critical Illness condition. The plan pays the greater benefit of the two Critical Illness conditions |
Multiple Critical Illness Conditions in the Same Category | Plan benefit for multiple Critical Illness conditions in the same category (e.g., Heart Attack and Stroke) is limited to occurrences separated by at least 3 months |
Recurrence | Plan benefit for a 2nd occurrence of the same condition is limited to an occurrence separated from the 1st occurrence by at least 6 months, during which you have not exhibited symptoms or received treatment (excluding preventive medications). Additional occurrences beyond the 2nd occurrence are not covered |
Pre-Existing Conditions A pre-existing condition includes any condition for which you, during the 6-month period prior to coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs |
Plan benefit for pre-existing conditions is limited to occurrences at least 6 months following the coverage start date |
DeductiblesWhat you pay out-of-pocket before your plan pays benefits |
You Pay |
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There is no deductible | $0 |
Maximum PayoutsThe maximum amount Guardian will pay per occurrence diagnosis |
Maximum Guardian Pays |
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Lump Sum Benefit Amount | $20,000 |
Ongoing Eligibility Requirements |
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Renewability | Coverage is guaranteed renewable. Premiums will not change because of a change in your health. Premiums may occasionally change, however, for all members of a class. If premiums change, you will receive at least 30 days advance notice |
Age-Related Termination | Coverage will be terminated at age 75 |
Exclusions(see your policy for further details) |
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This Policy will not pay benefits for any Critical Illness caused by, or related to, directly or indirectly, any of the following:
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. Please refer to your plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage. Policy Form # IP-CI-16-NY
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