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.
Why choose Guardian accident insurance
Guardian accident insurance benefits can cover everyone in the family, and you don’t need a medical exam to get coverage. Depending on the plan, you may be able to get extra benefits for covered children injured while playing an organized sport like soccer, baseball, lacrosse, or football.1 There may also be valuable benefits for wellness, travel assistance, and more — all for about the cost of a latte a day.2
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.
Employers: Need more information?
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.