Our lowest cost Guardian Hospital Indemnity Insurance plan is the Hospital and Intensive Care Unit (ICU) Admission Benefit. It pays a benefit if a covered person is admitted to a hospital or ICU due to a covered sickness or injury. But you can make the coverage more comprehensive.

Create a customized solution

To more fully meet employee needs and budgets, the following benefits1 may be added and combined for a more personalized plan:

  • 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


Health savings account (HSA)-compatible

You can also offer a Guardian Hospital Indemnity Insurance plan with any or all these benefits:

  • Hospital & ICU Admission
  • Hospital & ICU Confinement
  • Rehabilitation Unit Confinement
  • Health Screenings
  • Lodging & Transportation


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 arbiterof 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 4.