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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.

Read Bembe’s story
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. This makes us the only provider that will pay out on all malignant 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.

Read Jane’s story
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.

Read Tom’s story
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

BOOK A ONE-TO-ONE PRODUCT BRIEFING

To find out more about what makes a Guardian policy a better policy, book a product briefing with one of our Account Managers.

Simply complete our online booking form and we’ll call you back.

Our definitions are designed
to provide customers with
certainty. Both at point of
purchase and point of claim.

Kayta MacLean
Chief Executive Officer

OUR PRODUCTS
OUR PRODUCTS

DESIGNED TO BRING
GOOD ADVICE TO LIFE

REASONS TO RECOMMEND

No.3

OPTIONAL CHILDREN'S
CRITICAL ILLNESS COVER