The Guardian Life Insurance Company of America, a provider of mutual life insurance and employee benefits, has enhanced its critical illness plan for employers and employees.

According to Guardian, due to enhancements of critical illness plans: employers may now waive pre-existing condition limitation on employer-paid plans with 10 plus lives; employees may take coverage with them if they leave their employer up until age 70; and employers with 2-15 employees may now offer critical illness coverage to their employees.

The company said that with its critical illness coverage, an employee who has a heart attack, stroke, cancer diagnosis, or other critical illness can now receive up to $50,000 to use for uncovered medical expenses and also non-medical costs.

In addition, the critical illness plan when paired with a hospital admission rider, pays a per day benefit up to $500 for around 10 days per year for an extended hospitalization due to a serious injury or illness not covered by critical illness.

Barry Petruzzi, second vice president of Guardian Life & Disability, said: “Our offering matches up against any other carrier’s offering in the group critical illness market. The combination of the critical illness lump sum with the hospital admission rider that covers an employee for any other illness or accident is an innovative and attractive feature.”