Who is Hospital Indemnity Insurance for?

Hospital Indemnity Insurance is for people who need help covering the costs associated with a hospital stay if they suddenly become sick or injured.

What does Hospital Indemnity Insurance cover?

If you are admitted to a hospital for a covered sickness or injury, you can receive payments that can be used for any purpose, such as:

  • High deductibles and copays
  • Travel to and from the hospital for treatment
  • Child care service assistance while recovering

Why should I consider Hospital Indemnity Insurance?

 Guardian's Hospital Indemnity benefit can help pay for out-of-pocket costs associated with being hospitalized in addition to your medical coverage, and can give you more of a financial safety net for unplanned expenses brought on by a hospital stay. Payments are made directly to you , even if you did not actually incur any out-of-pocket expenses.

Enhancing coverage

With Guardian's Accident Insurance, Cancer Insurance, Critical Illness Insurance, and Hospital Indemnity Insurance plans, you have a robust suite of supplemental health coverage to help you with costs that medical insurance may not cover.

Coverage is guaranteed, no medical questions asked

Guardian's Group Hospital Indemnity Insurance is always "guaranteed issue" – there are no medical questions or exams required, making it easy and hassle free for your you to sign up for coverage. You can also take the coverage with you if you happen to leave your employer.

ICU Admission Benefit

Guardian's Hospital and Intensive Care Unit (ICU) Admission Benefit

Pays a benefit if a covered person is admitted to a hospital or ICU as a result of a covered sickness or injury

Optional benefits include

  • Hospital Confinement
  • Intensive Care Unit (ICU) Confinement
  • Ambulance - Air & Ground  
  • Diagnostic Tests
  • Doctor's Office Visit  
  • Health Screening  
  • Emergency Room & Urgent Care  
  • Home Health Care  
  • Hospice Care    
  • Surgery - Inpatient and Outpatient
  • Outpatient Therapy  
  • Rehabilitation Unit Confinement  
  • Prescription Drugs  
  • Lodging & Transportation

Optional benefits available for an additional cost.

Guardian is here for you

From helping you understand the need for hospital indemnity coverage to answering any of your questions about your overall Guardian insurance plans, you can count on us to be there when you need us most.


Guardian Hospital Indemnity Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY and will not be effective until approved by a Guardian underwriter. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. This policy provides limited hospital insurance only. It does not provide basic medical or major medical insurance as defined by the New York State Department of Financial Services. Policy Form# GP-1-HI-15