How voluntary hospital indemnity benefits work

Here’s an example of the coverage Guardian Hospital Indemnity Insurance provides.* Jane becomes ill and is admitted to the hospital. She has emergency surgery and is there for two days while recovering. Since she has Hospital Indemnity Insurance, she receives a cash benefit of $3,350 for these covered services:

Covered Service Guardian Hospital Indemnity Pays
Hospital Admission $1,000
Hospital Confinement $100
Diagnostic Exam $250
Inpatient Surgery $2,000
Total Cash Benefits Paid to Jane $3,350

*For illustrative purposes only. Covered benefits and benefit amounts may vary by; employer-sponsored plan. See your plan for specific coverage amounts and details. 


Advantages for your clients

Group supplemental health insurance products enable your clients to offer affordable options to their employees, and the plans can be voluntary or employer-sponsored. Coverage is also portable, so employees can take their coverage with them if they change jobs. With Guardian, your clients can count on:

  • Stable group rates
  • Discounts for favorable demographics
  • Maximum flexibility
  • Guardian’s strong support for easier administration
  • Convenient payroll deduction payments

Employees prize workplace benefits and adding to them will help increase their job satisfaction and loyalty to their employer. Those benefits will also help your clients' companies attract top talent.

Advantages for you

By taking this holistic approach to coverage, you can add considerable value to your client relationships. You can help employers meet growing employee expectations of more robust workplace benefits. And you can offer competitive plans that can provide coverage employees want. Guardian is ready to work with you to help your clients come up with the combination of plans that’s most effective.


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

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


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