Well-being focused by design
Learn how our supplemental health benefits support employee mind, body, and wallet®. With each providing 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.
1 in 4
Workers who own supplemental health insurance are 25% more likely to report high overall well-being compared to workers who don’t.1
10+ years
51% of workers who own at least one supplemental health product want to stay at their jobs for 10 years or more.2
The value you can deliver to clients with our benefits and how they make employees feel
Accident insurance
Includes a 25% benefit increase for a child organized sports injury.³
Critical illness insurance
Includes first-of-its kind coverage for preventive measures taken as a result of having a BRCA1 or BRCA2 gene mutation.4 And earlier payouts at earlier stages of diseases such as Alzheimer’s and Parkinson’s.5
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.
Supplemental health benefits
Pays a direct benefit for completing certain health screenings, tests, or procedures. Helping to offset care-related and medical insurance costs.6
How can we help make delivery easy?
1 Benefits Optimization 2023: How supplemental health benefits and omnichannel communications support workforce well-being, 12th Annual Guardian Workplace Benefits Study. P. 11
2 ibid
3 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.
4 The gene mutation can increase the risk of certain cancers, including breast cancer.
5 Earlier payouts at earlier stages of conditions like Alzheimer’s, multiple sclerosis, and Parkinson's disease.
6 One Wellness or Health Screening Benefit per calendar year per covered person if a covered person has a covered wellness test or procedure performed while coverage is in force. See your plan details for wellness or screening types and benefit amounts.
For Agent/Broker Use Only. Not For Use With The General Public.
Some features are highlighted for illustrative purposes only. Please refer to your plan for benefit details and terms.
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.