Many providers define the quality of their critical illness policies by the number of illnesses they cover.
This results in these providers adding illnesses that pose very little risk to customers.
At Guardian, we know your clients need cover for a wide range of illnesses. But we also know the most important thing is the quality of that cover.
So we’re obsessed with providing the best possible cover for the most common illnesses. However, our focus on quality isn’t at the cost of quantity. We cover 74 illnesses as standard (including 21 additional payout conditions).Find out more
Most providers don't pay out on all malignant skin cancers.
Providers request detailed medical reports and evidence so they can assess whether a heart attack diagnosis is serious enough to meet their own criteria for payment.
Providers will want to see evidence in the form of a scan so they can assess the severity of the stroke.
Providers want to see evidence that someone's suffering symptoms of multiple sclerosis at the time the claim is assessed.
That’s a little unfair when you consider multiple sclerosis symptoms can come and go - especially in the early stages.
At Guardian, 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.Our definition
Terminal illness cover only pays out if, in a doctor’s opinion, the policyholder has less than 12 months to live.
However, it can be hard for doctors to predict the survival time of patients with certain terminal illnesses, even in the late stages.
At Guardian, we pay out if a policyholder is not expected to survive for 12 months.
But, uniquely, we also guarantee to pay out if they're diagnosed with stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes even if they're expected to survive more than 12 months.Our definition