Hospital indemnity insurance
Hospitalization can happen to anyone. And while medical insurance may cover those expenses, other costs can add up like extra childcare, transportation, help around the house, even pet care. There may also be deductibles and co-pays. That's where hospital indemnity coverage can help.
Who is hospital indemnity insurance for?
It’s for people who want extra financial support if they’re hospitalized due to sickness or injury. It can help you focus on recovery, instead of worrying about bills.
What does hospital indemnity insurance cover?
Benefits are paid directly to you based on admission and days hospitalized. You can use the money you get to help cover any costs, from out-of-pocket medical expenses to added household costs, like child care.
Why should I consider hospital indemnity Insurance?
Hospital indemnity insurance can help pay for out-of-pocket costs you incur as a result of a hospital stay. It's a great complement to your medical insurance because it serves as financial protection for unplanned expenses.
What about other supplemental insurance plans?
A hospital indemnity insurance plan pays benefits if you’re hospitalized, but other health and medical issues can also impact your finances. That’s why Guardian also offers other types of supplemental health insurance — including accident insurance, cancer insurance, and critical illness insurance — to aid in strengthening your finances and help with costs you might not have been expecting.
Coverage is guaranteed, no medical questions asked
Guardian's hospital indemnity insurance is always guaranteed — making it easy and hassle free for you to sign up for coverage. You can also take the coverage with you if you leave your employer.
1 The policy may exclude or reduce the benefit for childbirth for up to a year after the effective date.
Guardian’s Hospital Indemnity 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 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. Generic Policy Form# GP-1-HI-15. The state approved form is the governing document.