Supplemental Health Insurance Overview


Why is supplemental health insurance so important?

The industry has faced tremendous changes in traditional healthcare benefits. The burden of responsibility has dramatically shifted from employers to employees. Now more than ever, they are forced to consider if they have enough protection, and what coverage could fill the gaps to help insulate them from devastating medical bills.

Offering employees supplemental health insurance as a voluntary worksite benefit is a critical solution for your clients to implement. Not only can it help employees maintain financial stability, it also helps retain and attract talent. Many companies have recognized the importance of supplemental health insurance — AccidentCancerCritical Illness*, and Hospital Indemnity Insurance — making them one of the fastest-growing benefits.1

Guardian Supplemental Health Insurance adds critical support for unexpected medical costs that may not be covered by medical plans

With supplemental health coverage, your clients can offer employees additional financial protection regardless of their medical insurance. Employees receive cash benefits directly, based on covered sicknesses, injuries, or treatments and services. The cash can be used any way employees see fit — to cover basic expenses like groceries, childcare, housekeeping, or out-of-pocket medical costs not otherwise covered by their medical plan. There is a wide range of products that can pay benefits to employees and help fill those financial gaps.

Accident Insurance

Provides benefits to the employee for more than 40 different accidental injuries requiring treatment, urgent care, or hospitalization (including common injuries such as burns and fractures, or services during treatment and recovery, such as ambulance, PT, X-rays, and more). Payouts are based on covered treatments received, regardless of whether a medical plan also covers some or all of the treatment costs. Four plan levels are available, each designed to meet the varied needs of your clients and their employees. Coverage also offers a feature that increases benefits for covered children injured while participating in an organized sport.

Key features:

  • Scheduled indemnity plan with four levels of coverage available which determine the actual amount paid to insured employees
  • One-of-a-kind Rainy Day Fund feature and TravelAid services standard on plans
  • Multiple plan options can be offered to employees including unique Injury-Free Benefit™ and Automatic Increase Option
  • Simple four-tier rate structure, with 24-hour or off-the-job plan design options
  • Optional Wellness Rider that provides a benefit for the completion of any of a comprehensive list of eligible screenings and preventive procedures including smoking cessation and weight-loss programs as well as annual physicals
  • Child Organized Sport Benefit pays an additional 25% of child benefits if a covered dependent child (aged 18 or younger) is injured while participating in an organized sport (The child must be insured by the plan on date the accident occurred.)
  • Chiropractic visits can be a covered benefit depending on the plan schedule selected

Cancer Insurance

Provides a lump-sum payment for diagnosis, certain procedures, screenings, and treatment. Payments are made to the employee, regardless of medical insurance, and can be used for any purpose. Three plan levels are available to offer coverage that fits your clients’ budgets and their employees’ needs.

Key features:

  • Scheduled indemnity plan available in three coverage levels
  • Benefits for procedures and treatments, such as surgery, chemotherapy, and radiation
  • Cancer screening benefit available that includes procedures such as mammograms and colonoscopies
  • Attained-age, issue-age, or composite rates available
  • Conditional guaranteed issue with one health question
  • Special underwriting consideration on takeover opportunities

Critical Illness Insurance

Complements medical and disability insurance by providing a lump-sum benefit paid directly to a covered employee on the diagnosis of more than 30 different major, chronic, and debilitating illnesses such as stroke, heart attack, cancer, Alzheimer’s disease, and Parkinson’s disease. Plans can be tailored for different sized groups and with varying coverage riders.

Key features:

  • Lump-sum benefits available up to $50,000 with guaranteed issue amounts available starting at 25 lives
  • Benefit options allow groups to select the coverage that best meets their needs
  • Pays for the first occurrence of a critical illness while insured, with the option to include recurrence benefits
  • No lifetime maximum. Benefits are payable on all conditions
  • Children are covered at no additional cost, and no health questions are required
  • Cancer benefits can be excluded to ease bundling with a stand-alone cancer insurance plan
  • Attained-age or issue-age rates available

Hospital Indemnity Insurance

Provides lump-sum payments to covered employees or family members who may face hospital admission for covered sickness or injury. Coverage offers a range of optional benefits to cover a greater number of employee needs and partners well with Health Savings Account (HSA)-compatible medical plans.

Key features:

  • Hospital and ICU admission benefit up to $10,000 — always guaranteed issue
  • Benefit options allow groups to select the coverage that best meets their needs
  • Multiple plan options can be offered to employees
  • Includes a sickness-only coverage option to ease bundling with an accident plan
  • Attained-age, issue-age or composite rates available

Guardian’s Supplemental Health plans offer significant advantages for your clients

Guardian Supplemental Health Insurance benefits are available for groups with as few as two employees. We offer stable group rates that discount favorable demographics, so your clients can provide affordable options to their employees. Our plans provide maximum flexibility and Guardian’s strong support makes them easy to administer, including the convenience of billing through payroll deduction. Coverage is also portable, so employees can take their coverage with them if they change jobs.

checklist of advantages of supplemental health insurance

Our plans also offer significant advantages for brokers

By offering this holistic approach to coverage, you can add tremendous value to your client relationships. We’re ready to help you determine which solution will enable your clients to offer the most effective combination of plans. And, we will acknowledge your efforts with:

  • Commission flexibility – Level and front-loaded
  • Special Producer Compensation Qualification – Counting each benefit sale as a separate line

Work with one of the fastest-growing companies in voluntary benefits sales3

Let our experienced team tell you more about the incredible opportunities of offering Guardian Supplemental Health Insurance plans.

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Based on the growth in employer groups inforce, 2017 – 2018; LIMRA Reports 2018 and 2019.


LIMRA U.S. Workplace Benefits Supplemental Health Insurance 2018 Sales and Inforce Reports. Excludes Individual business sold at the workplace.


Based on 2008– 2018 sales, Guardian has been a top ten carrier in the voluntary market for more than ten years; U.S. Voluntary/Worksite Sales Report, Eastbridge Consulting Group, 2019.

TravelAid is provided by Integrated Behavioral Health, Inc., and its contractors. The Guardian Life Insurance Company of America (Guardian) does not provide any part of these services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and IBH reserve the right to discontinue TravelAid at any time without notice. TravelAid services may not be available in all states.


In New York State, Critical Illness is referred to as Specified Disease.

Guardian Accident, Cancer, Critical Illness, and Hospital Indemnity insurance is underwritten 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. For agent/broker use only. Not for use with the general public.) GP-1-AC-IC-12, GP-1-ACC-18, GP-1-CAN-IC-12, GC-CI-11, GP-1-HI-15.