Hospital indemnity insurance
Hospitalization can happen to anyone. And while medical insurance covers those expenses, other costs can add up like extra childcare, transportation, help around the house, even pet care. There may also be deductibles and co-pays. That's where hospital indemnity coverage can help.
Hospital indemnity basics
Who is hospital indemnity insurance for?
It’s for people who want extra financial support if they’re hospitalized due to sickness or injury. It can help you focus on recovery, instead of worrying about bills.
What does hospital indemnity insurance cover?
Benefits are paid directly to you based on admission and days hospitalized. You can use the money you get to help cover any costs, from out-of-pocket medical expenses to added household costs, like child care.
Why should I consider hospital indemnity Insurance?
Hospital indemnity insurance can help pay for out-of-pocket costs you incur as a result of a hospital stay. It's a great complement to your medical insurance because it serves as financial protection for unplanned expenses.
What about other supplemental insurance plans?
A hospital indemnity insurance plan pays benefits if you’re hospitalized, but other health and medical issues can also impact your finances. That’s why Guardian also offers other types of supplemental health insurance — including accident insurance, cancer insurance, and critical illness insurance — to strengthen your finances and help with costs you might not have been expecting.
Coverage is guaranteed, no medical questions asked
Guardian's hospital indemnity insurance is always guaranteed — making it easy and hassle free for you to sign up for coverage. You can also take the coverage with you if you leave your employer.