Accident insurance
Be there for employees before they get tripped up
Accident insurance can help prepare your employees to handle an unexpected accident, say a trip or fall, with financial confidence. Easing stress and worry, while ensuring they can get the physical care they need.
Guardian’s Accident Insurance also comes with an organized sports benefit feature for children. This pays an additional benefit (up to 25%) if an employee's dependent child is accidently injured while playing an organized sport.1 Especially helpful since almost one-third of all injuries incurred in childhood are sports-related injuries.2
Child Organized Sport Benefit (PDF)
Child Organized Sport Benefit (Spanish PDF)
Resource for you
Road to Recovery: Hospital indemnity and accident insurance (on-demand virtual event)
Helpful resources to share with employees
Download videos and share
Why accident insurance
A built-in wellness benefit can play a pivotal role in helping 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.3 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 EKG or mammography. Share the following to help ensure they take advantage.
Accident insurance - Wellness benefit (PDF)
Accident insurance - Wellness benefit (Spanish PDF)
1 Child must be age 18 or younger and insured by the plan on the date the accident occurred. Not available in New York.
2 National SAFE KIDS Campaign and the American Academy of Pediatrics, Johns Hopkins Medicine
3 One wellness benefit payment per calendar year per covered person if a covered person has a wellness test or procedure performed while coverage is in force. See your plan details for 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.
GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America®