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