Accident insurance
Unexpected accidents happen every day, and people can get hurt. But every person deserves a smoother path back to normal so they can return to living their lives to the fullest. If a covered accident happens to you, this coverage can help protect your finances by paying a lump-sum benefit payment. You can use the benefit payment for anything from out-of-pocket medical expenses, to extra help around the house, transportation, or anything else you need.
For employees
Read on to see how it works or ask your benefits department about accident insurance options at work.
For employers
Offer accident insurance coverage to employees as a way to complement their medical insurance.
Accident insurance basics
Who is accident insurance for?
It’s for people who want help with extra expenses when an accident happens to themselves or a covered family member. The benefits can help you focus on recovering from injury instead of worrying about finances.
What does accident insurance cover?
Accident insurance provides benefits if you suffer a covered accidental injury like a severe burn, broken bone, or have to visit an emergency room. It will also cover the diagnostic testing needed to determine if your bone is broken — like for an x-ray. The lump-sum payment goes directly to you, not the hospital or medical provider.
Why should I consider accident insurance?
It can be a great complement to your medical coverage that helps pay for expenses that can happen with an unexpected accident, including x-rays, ambulance services, and deductibles. You can even use it for non-medical expenses like rent or groceries.
Why choose Guardian accident insurance
Even with major medical coverage, you can be faced with a lot of unexpected costs after an accident. For example, health insurance will pay a hospital bill, but it doesn’t give you extra money to take a car service to work because you can’t drive for a week. Accident insurance can give you a benefit payment to use for that purpose — or anything else. How much? Benefit amounts vary and are based on the type and severity of a person’s injuries.
Guardian accident insurance benefits from work can cover everyone in the family, and you don’t need a medical exam to get coverage. Depending on the plan offered by your employer, you may be able to get extra benefits for covered children injured while playing an organized sport like soccer, baseball, lacrosse, or football.1 There may also be valuable benefits for wellness, travel assistance, and more — all for about the cost of a latte a day.2
Combine with other supplemental insurance for more complete protection
Accident insurance plans can pay benefits for covered injuries and accidents, but other health and medical issues can also impact your finances. That’s why Guardian also offers other types of supplemental health insurance — including hospital indemnity insurance, cancer insurance, and critical illness insurance — to complement your medical insurance coverage.
Need more information?
Resources to help you learn and compare.
Other products you may be interested in
Cancer insurance
Provides a lump-sum payment for cancer diagnosis, screenings, and treatment. Payments are made directly to you and can be used for any purpose.
Hospital indemnity insurance
Helps protect your finances from out-of-pocket expenses and other costs by paying benefits if you are admitted to a hospital or ICU for a covered sickness or injury.
Critical illness insurance
If you experience a serious illness like cancer or a stroke, this provides benefits to help pay medical and other expenses not covered by primary health insurance.
Life insurance
If people depend on your income for support, what will happen to them if something happens to you? Life insurance can be a vital source of financial support.
Disability insurance
If you’re unable to work due to injury or medical condition, where will you get income to live on? Disability insurance can help support your family when it’s needed most.
Vision insurance
As we spend more time in front of screens, vision insurance — and the eye exams, glasses, and contact lenses it helps to cover — becomes increasingly important.