Plans that provide a cash payment

Guardian’s Hospital Indemnity plan provide a lump-sum payment directly to employees, even if they don’t incur any out-of-pocket expenses. And the money can be used for any purpose, medical or non-medical.

Coverage that’s needed now

A growing number of people are considered underinsured — having high out-of-pocket costs or deductibles relative to their income. And half of American families are living paycheck to paycheck.1 

Not surprisingly, many people are putting their health at risk by:

  • Skipping doctor visits
  • Delaying surgery
  • Avoiding x-rays and blood tests

Highly flexible benefits 

Guardian Hospital Indemnity Insurance provides a core admission benefit that covers members who are admitted to a hospital or intensive care unit (ICU) because of a covered sickness or injury. You can help your clients customize a plan to complement other Guardian supplemental health products or plans from other providers. And you can offer attained or issue-age rates.

It can be part of a total solution for your clients

With Guardian’s comprehensive suite of supplemental health insurance products — AccidentCancerCritical Illness, and Hospital Indemnity — your clients can count on a single provider to help cover the costs medical insurance may not cover. And all are available from one of America’s most respected insurance companies.

Frequently asked questions

  • Why should brokers consider offering supplemental hospital indemnity insurance?
    Supplemental health products like Hospital Indemnity Insurance are some of the fastest-growing and most sought-after employee benefits.4
  • What range of Hospital Indemnity coverage can you offer?

    • Hospital Admission / Intensive Care Unit Admission Benefit:
      Coverage levels from $500 to $10,000 per day (in $250 increments). Standard offering is 1 day per covered person and 3 days per covered family. Additional options are 2 days per covered person and 2 or Unlimited per covered family. 
    • Hospital Confinement / Intensive Care Unit Confinement Benefit:
      Coverage levels from $100 to $500 per day (in $100 increments).  Standard offering is 15 days.  Additional options are 30, 180, or 360 days per covered person. 
  • When can employees apply for Guardian Hospital Indemnity plans?
    All enrollments must be done during the open enrollment period.


1 MarketWatch, April 13, 2017

2 Guardian’s 4th Annual Workplace Benefits Study, 2016

3, Last accessed May, 2022

4 The Impact of COVID-19 on Employers' Approaches to Workplace Benefits, LIMRA, 2022

For broker/agent use only. Not for use with the general public.

Guardian's Group 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.

In Colorado, Hospital Indemnity is known as Accident and Sickness Indemnity Insurance.

This advertising content is not currently meant for anyone in the state of New Mexico.

GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America® ©Copyright 2022 The Guardian Life Insurance Company of America, New York, N.Y. All rights reserved.

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