Top 3 reasons for hospital stays and their average out-of-pocket costs¹
Hospital indemnity insurance can help employees face these care costs with confidence.
Hospital indemnity insurance
Give employees added financial confidence
Hospital indemnity insurance helps employees face expensive hospital stay costs with more assurance and benefits paid directly to them, which can help ease stress and worry.
Resource for you
Road to Recovery: Hospital indemnity and accident insurance (on-demand virtual event)
Why hospital indemnity insurance
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A built-in health screening benefit to help employees stay healthy
Encourage employees to stay on top of their physical health and well-being. The benefit pays employees once a year when they complete certain health-related activities.2 Even if the cost of those tests were originally covered by other insurance. That benefit payment helps motivate employees to go for routine, highly valued screenings such as an annual physical or EKG. Share the following to help ensure they take advantage.
Hospital indemnity - Health screening benefit (PDF)
Hospital indemnity - Health screening benefit (Spanish PDF)
1 Fast Facts on U.S. Hospitals, American Hospital Association (AHA) Annual Survey, 2023
2 One health screening benefit payment per year per covered person if a covered person has a health screening test or procedure performed while coverage is in force. See your plan details for specific benefit amounts.
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Guardian’s Accident, Critical Illness, Cancer, Hospital Indemnity, and Specified Disease 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. Plan documents are the final arbiter of coverage. This policy provides limited benefits health insurance only. It does not provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. Policy Form No. GP-1-ACC-18, GP-1-CAN-IC-12, GP-1-HI-15, GP-1-CI-14, CI-23-P.
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