Who is eligible to apply for Guardian Hospital Indemnity Insurance?
Employees,aged 69 or below at time of enrollment who work at least 20 hours a week. State variations may apply.
How easy is it to customize a Guardian Hospital Indemnity Insurance plan?
Employers can select benefit durations, benefit amount, as well as a wide range of optional benefits. Guardian also offers HSA-compliant plan designs that only have hospital stay benefits and include wellness benefits specifically allowed in HSA-compliant plans. Planholders can choose the HSA-compatible plan design and maintain their HSA tax-favored status.
Is there guaranteed renewal for Guardian Hospital Indemnity Insurance?
Yes, if premiums are paid and participation levels are met.
Is Guardian Hospital Indemnity Insurance available in all states?
Yes, coverage is available in all 50 states.
1 Optional benefits available for an additional cost.
2 Ratings are as of 9/17 and are subject to change.
Financial information concerning The Guardian Life Insurance Company of America as of December 31, 2016, on a statutory basis: Admitted Assets = $51.9 Billion; Liabilities = $45.7 Billion (including $39.4 Billion of Reserves); and Surplus = $6.2 Billion*
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. Plan documents are the final arbiter of coverage. This policy provides limited hospital insurance only. It does not provide basic medical or major medical insurance as defined by the New York State Department of Financial Services. Policy Form # GP-1-HI-15