Provide Guardian Group Hospital Indemnity Insurance to employees
Give employees added financial confidence
You have the chance to help employees face expensive hospital stay costs with more assurance and benefits paid directly to them. Plus, it’s support employees want and more employers are offering. Let us help you.
Boost employee financial wellness
Hospital indemnity insurance provides employees with a direct payment when they are admitted to a hospital for an extended stay. An employee can spend the benefit on deductibles, coinsurance, prescription drugs, and more.
Provide flexible, protective plans
Tailor a plan that moves and fits with your needs. Custom build a plan that can include certain outpatient therapy benefits to provide more value to your employees, for example. You can also adjust your plan to drive employee behavior and even reward employees for taking care of themselves with add-on features.2
Make enrollment easy with support
Your employees don’t have to undergo medical exams or answer questions about their health to enroll. And they’ll get personalized enrollment and benefits education support online, even by phone and mail too — all proven to help drive participation.
Medical bills are the reported number one cause of personal bankruptcy in the US.³
Get employees their direct benefits payments faster by simplifying the claims process when you offer Guardian Hospital Indemnity Insurance and Guardian short-term disability benefits.
1 Benefits optimization: How supplemental health benefits and omnichannel communications support workforce well-being, Guardian, Guardian Workplace Benefits Study — 11th Annual, 2022, page 8.
2 Optional riders and/or features may incur additional cost.
3 Medical Bankruptcy and the Economy, The Balance, 2022
4 Fast Facts on U.S. Hospitals, American Hospital Association (AHA) Annual Survey, 2023
This information is not intended for residents of New Mexico. In Colorado, hospital indemnity is known as Accident and Sickness Indemnity Insurance.
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.