Help make it possible for employees to feel supported, whatever comes their way. Hospital indemnity insurance from Guardian rises to meet growing workforce needs, with more than 20 new and innovative benefits to offer holistic workforce support.
Benefits for a mental health assessment, as well as for inpatient mental health and substance abuse care.
Benefits for genetic testing to identify medical conditions, lifestyle programs that promote healthy habits**, and for children's organized sports injuries. ⁴
Benefit payments for shorter hospital stays (less than 20 hours), maternity claims at 36 weeks, and newborn nursery care.
Caregiving support services offered through Wellthy* provide access to care professionals, digital planning tools, and more.
Fertility health and family-building services through Carrot* provide educational support and guidance, connection to quality care providers, and more.
Whether employees are living their normal day-to-day or going through a new life event, we're here to help support them along the way with enhancements like:
Increased benefits for NICU admission and confinement
Infertility benefits
Dental screening benefit**
Deductible protector
Claim-free benefit
And more
Eliminate the need to file multiple claims when you offer hospital indemnity insurance and short-term disability insurance, paid family leave, or state-mandated disability insurance with Guardian.
* Caregiving support services and fertility health and family-building support are not available in the states of Alaska and Hawaii.
** These benefits are not available to those in the state of Arizona.
1 Maureen Milliken, Hospital and Surgery Costs, Debt.org, November 30, 2023
2 ibid
3 Lunna Lopes, Alex Montero, Marley Presiado, and Liz Hamel, Americans’ Challenges with Health Care Costs, KFF, March 1, 2024
4 The child must be insured by the plan on date the accident occurred. The child must be 18 years of age or younger.
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.
Wellthy, Inc. (“Wellthy”) is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Wellthy and Guardian are not affiliated entities. Wellthy provides a care coordinator to integrate separately retained caregiver resources (e.g., senior care, childcare, etc.) for the benefit of a member or their permitted dependents. (“Services”). Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and Wellthy reserve the right to discontinue Services at any time without notice. Services may not be available in all states.
Carrot provides educational resources only and is not a provider of health services. Carrot is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Carrot and Guardian are not affiliated entities. Guardian does not control or provide any part of the Carrot services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Guardian and Carrot reserve the right to discontinue services at any time without notice. Services may not be available in all states.
