Accident insurance
Accidents can happen to anyone, but everyone deserves a smoother path back to normal. If a covered accident happens to you, accident insurance helps you protect your finances by providing a benefit payment for anything from extra help around the house, to transportation, including the birth of a child.
Who is accident insurance for?
It’s for people who want help with extra expenses when an accident happens to themselves or a covered family member. The benefits can help you focus on recovering from injury instead of worrying about finances.
What does accident insurance cover?
Accident insurance provides benefits if you suffer a covered accidental injury like a severe burn, broken bone, or have to visit an emergency room. It will also cover the diagnostic testing needed to determine if your bone is broken — like for an X-ray. The fixed benefit payment goes directly to you, not the hospital or medical provider.
Why should I consider accident insurance?
It can be a great complement to your medical coverage that helps pay for expenses that can happen with an unexpected accident, including X-rays, ambulance services, and deductibles. You can even use it for non-medical expenses like rent or groceries.
Combine with other supplemental insurance for more complete protection
Accident insurance plans can pay benefits for covered injuries and accidents, but other health and medical issues can also impact your finances. That’s why Guardian also offers other types of supplemental health insurance — including hospital indemnity insurance, cancer insurance, and critical illness insurance.
FAQ
Top questions about accident insurance
Prepare your family — and finances — for accidents
About 38 million injury-related visits to the emergency room occur in the United States.3 These accidents can lead to unexpected expenses that can put a dent in savings, or cause debt.
For existing customers
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Cancer insurance
Provides a lump-sum payment for cancer diagnosis, screenings, and treatment. Payments are made directly to you and can be used for any purpose.
Hospital indemnity insurance
Helps protect your finances from out-of-pocket expenses and other costs by paying benefits if you are admitted to a hospital or ICU for a covered sickness or injury.
Critical illness insurance
If you experience a serious illness like cancer or a stroke, this provides benefits to help pay medical and other expenses not covered by primary health insurance.
Life insurance
If people depend on your income for support, what will happen to them if something happens to you? Life insurance can be a vital source of financial support.
Disability insurance
If you’re unable to work due to injury or medical condition, where will you get income to live on? Disability insurance can help support your family when it’s needed most.
Vision insurance
As we spend more time in front of screens, vision insurance — and the eye exams, glasses, and contact lenses it helps to cover — becomes increasingly important.
1The child must be insured by the plan on date the accident occurred, and the child must be 18 years of age or younger. This benefit is not available in all states.
2https://www.guardianlife.com/accident-insurance/group
3CDC Centers for Disease Control and Prevention, National Center for Health Statistics, https://www.cdc.gov/nchs/fastats/emergency-department.htm, 2023
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Guardian’s Group Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity benefit, for insured injury from a covered accident. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. Generic Policy Form # GP-1-ACC-18. The state approved form is the governing document.
This information is not intended for residents of New Mexico.