Reason to recommend
No.2
CRITICAL ILLNESS
DEFINITIONS
Crystal clear policy wording that provides quicker payouts.
What makes our approach better
Our definitions are written to make sure people who claim are treated fairly and payouts are received with the minimum of questions asked.
Prostate cancer
Additional payout for patients placed under observation
Unlike some other providers who only pay out if the customer needs surgery or treatment, we pay out an additional 25% of the sum assured up to a maximum of £50,000 if they’re diagnosed with a Gleason score of between 2 and 6 (inclusive) and just placed under observation. Which happens in most cases.
What’s more, if the cancer progresses and the Gleason score increases to 7 or above, we’ll make a further payout of the full sum assured.
Read Bembe’s story to fully understand
the value of our prostate cancer definition.
Malignant skin cancer
Additional payout following low-risk diagnosis
While other providers won’t pay out for low-risk non-melanoma skin cancers, we’ll pay out 10% of the sum assured up to a maximum of £50,000. We’ll also pay out 25% of the sum assured up to a maximum of £50,000 for high-risk non-melanoma skin cancers.
What’s more, if the skin cancer reoccurs and develops to meet our definition for a full payout, we’ll make a further payout of the full sum assured.
Read Jane’s story to fully understand the
value of our malignant cancer definition.
Angioplasty
Additional payout for patients needing a single stent
While some other providers won’t pay out unless a customer’s angioplasty includes the fitting of two stents, we’ll pay out an additional 25% of the sum assured up to a maximum of £50,000 if they need just one.
What’s more, the customer remains fully covered which means that if they become critically ill in the future, we’ll make a further payout of the full sum assured.
Read Tom’s story to fully understand the value of our angioplasty definition.
Stroke
A simpler and faster claims assessment
Other providers will want to see evidence in the form of a scan so they can assess the severity of the stroke.
With a Guardian policy, if symptoms have lasted for more than 24 hours and a UK Consultant Neurologist says it’s a stroke, we pay out.
Heart attack
The word of a UK consultant is all we need to pay out
Providers request evidence of severity so they can assess whether a heart attack diagnosis is serious enough to meet their own criteria for a payout.
At Guardian, confirmation from a UK Consultant is all we need. If they say your client has had a heart attack, we pay out. Well, they’re the experts after all.
Multiple sclerosis
No need to have symptoms at point of claim
Providers want to see evidence that someone’s suffering symptoms of multiple sclerosis at the time the claim is assessed. However, there’s no guarantee a person will have symptoms when they’re first diagnosed as they come and go – especially in the early stages.
That’s why we pay out if a UK Consultant Neurologist says there ‘has been’ an impairment due to multiple sclerosis – even if the symptoms are not apparent when they make the claim.
Critical Illness definitions
View our Critical Illness Protection definitions in detail
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