Support employee financial well-being with supplemental health insurance

Whether it’s care following an injury, serious medical event, or illness diagnosis, employees need (and want) greater financial support supplemental health insurance, like accident and critical illness benefits, can provide. And you can help.

Man helping woman walking on crutches

The need: People are your greatest asset, but are their assets enough to afford unexpected care?

  • $30,000

    The average cost of a three-day hospital stay.1

  • ~50%

    Nearly half (46%) of insured adults report difficulty affording their out-of-pocket health care costs.2

  • $2,500

    Half of all full-time workers have less than that saved for a medical emergency.3

  • Father and son celebrating soccer win

    Accident insurance⁵

    • 57% of employees who rate their financial health high own accident insurance. Compared to 45% who rate it low.

    • 55% of workers who own accident insurance rate their emotional health high. Compared to 45% who rate it low.

    Tell me more

The response: Get employees the benefits they seek, delivered the way they want

Benefits literacy and a great experience are key to employees enrolling, using, and valuing their benefits. That may seem like a lot to take on. But we can help make it easy for you.

  • Effective education and guidance

    We’ll work with you to ensure your employees make informed choices based on their needs and get the most value from their benefits.

  • Simplified, seamless, integrated experiences

    Ease of administration for you: One EDI file, one bill, one place to manage it all. Ease of enrolling and use for your employees. Powered by the latest benefits technology.

  • Variety and reliability, all in one place

    We can help you offer not one, but all your supplemental health benefits. Plus, when you also offer Guardian Group Short Term Disability, you can get an even better claims experience for your employees.

1 "Protection from high medical costs," healthcare.gov

2 “Americans’ challenges with health care costs,” the Kaiser Family Foundation, 2021.

3-8 Benefits Optimization 2023: How supplemental health benefits and omnichannel communications support workforce well-being.

Guardian’s Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. This advertising content is not currently intended for anyone in the state of New Mexico.

1 "Protection from high medical costs," healthcare.gov

2 “Americans’ challenges with health care costs,” the Kaiser Family Foundation, 2021.

3-8 Benefits Optimization 2023: How supplemental health benefits and omnichannel communications support workforce well-being.

Guardian’s Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. This advertising content is not currently intended for anyone in the state of New Mexico.