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Cancer Insurance Overview

doctor and patient covered by group cancer insurance

Cancer insurance is an employee benefit that can complement your other insurance offerings. While, most people can appreciate the importance of having health and disability insurance, the costs of cancer can go well beyond what they cover. Cancer insurance is an affordable way to provide additional funds to help cover out-of pocket expenses.

The average out-of-pocket cost for patients with cancer is estimated to be $1,266 a month.1 Copays and deductibles, out-of-network and experimental treatments, home health care needs, and travel are just some of the costs a person could face if they are diagnosed with cancer. And that’s on top of everyday bills such as groceries, utilities, car payments and others they need to keep up with. It’s hardly surprising that people diagnosed with cancer are three times more likely to file for bankruptcy.2

With cancer insurance, an insured person receives a lump-sum amount which they can spend however they choose. Group cancer insurance is an affordable way for you to address rising medical costs while strengthening your employee benefit package.

Why choose Guardian Cancer Insurance?

We understand that every company is different, which is why we offer three plans with increasing coverage levels: Value, Advantage, and Premier. This allows you to choose what might be the best cancer insurance coverage for your company at a price point that fits your or your employees' budget.

Depending on the plan you select, your employees can receive payment for over 30 covered services related to:

  • Diagnosis
  • Annual cancer screenings
  • Procedures
  • Treatment

Some of our plans may also cover these specific services:

  • Alternative care
  • Anti-nausea medicine
  • Experimental treatment
  • Home health care
  • Inpatient special nursing
  • Lodging

Learn more about the services and procedures covered under each of our cancer insurance plans >

It's an employee benefit many would be interested in having

It's safe to say we probably all know someone who has been diagnosed with cancer.

  • An estimated 1,658,370 Americans will be diagnosed with cancer in 20153
  • 1 out of every 3 Americans will be diagnosed with cancer during their lifetime4

While cancer survival rates are on the rise, thanks to early diagnosis and advanced medicine, the financial effects resulting from the treatment of cancer can be devastating without cancer insurance.

We'll help you every step of the way

From helping your employees understand the need for cancer insurance, to online enrollment, to managing claims -- we can help you enhance your benefits package with a plan for your situation – all while lightening the administrative workload for your company. 

Our dedicated enrollment team can create a personalized, needs-based enrollment strategy that includes:

  • Education and decision support from certified enrollment specialists available to conduct group meetings
  • A dedicated employee benefits hotline
  • Personalized enrollment kits
  • Flexible online enrollment solutions that can be integrated into your existing system or stand on its own


What sets Guardian apart from other insurers is that we've been putting our group benefits knowledge to work for businesses like yours for over 50 years. Our longstanding reputation for reliability means that your employees not only get cancer coverage they can count on – they get outstanding service and fast, reliable payment of their claims.

That's why we're one of the most highly rated insurers in the industry.


Contact your Broker today

We'll work with you and you broker to design a solution that's right for your company.


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