Competitive features
Benefits designed with well-being in mind
Each type of supplemental health benefit provides a direct benefit payment (available via direct deposit) to employees to help maintain and strengthen their financial confidence while easing stress and worry around paying for care.
Accident insurance
Includes a 25% benefit increase for a child organized sports injury.1
Cancer insurance
Includes a payment to help cover a vast number of services related to diagnosis, procedures, and treatments, possibly experimental treatments.
Critical illness insurance
Includes expanded coverage and earlier payouts at earlier stages of certain conditions.2
Hospital indemnity insurance
Includes a benefit payment for maternity claims at 36 weeks, newborn nursery care benefit after baby is born, and inpatient treatment for mental health and substance abuse. Caregiving and fertility health and family-building support are also embedded.
And even further with a built-in wellness benefit
Help offset care-related and medical insurance costs: Pay a direct benefit for completing certain health screenings, tests, or procedures.
That benefit payment helps motivate employees to go for routine health screenings such as an EKG or mammography. And is available with all Guardian supplemental health coverages — another way clients are able to show their employees how much they’re valued and appreciated.
Learn more about our proactive service and engaging enrollment.
1 The child must be insured by the plan on the date the accident occurred and must be 18 years of age or younger; proof of registration required at time of claim.
2 Earlier payouts at earlier stages of conditions like Alzheimer’s, multiple sclerosis, and Parkinson's disease.
For Agent/Broker Use Only. Not For Use With The General Public.
Guardian’s Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.
In New York, Critical Illness is referred to as Specified Disease.
Guardian Hospital Indemnity Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. This advertising content is not currently intended for anyone in the state of New Mexico. In the state of Colorado, coverage is called Hospital Indemnity with Wellness Benefits, when Wellness Benefits are included. 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 payment, following a covered hospitalization. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. It does not provide basic medical or major medical insurance as defined by the New York State Department of Financial Services. In Washington, the Certificate Form is the state approved form governing document. Generic Policy Form #HI-25-P. The state approved form is the governing document.