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Hospital Indemnity Insurance

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Help With the Cost of Hospital Admissions

Help With the Cost of Hospital Admissions

Being hospitalized for a sickness or injury is a common occurrence, and can happen to anyone at any time. While your medical insurance may cover hospital bills, it may not cover all of the costs associated with a hospital stay, such as deductibles and co-pays, transportation, and lodging.  


That's where Hospital Indemnity coverage can help.


Guardian's Hospital Indemnity benefit can help pay for out-of-pocket costs associated with being hospitalized in addition to your medical coverage, and can give you more of a financial safety net for unplanned expenses brought on by a hospital stay. 


Lump sum benefits paid directly to you

Payments from Hospital Indemnity Insurance are made directly to you if you are admitted to a hospital for a covered sickness or injury. Payments are made even if you did not actually incur any out-of-pocket expenses.  And the money you receive can be used for any purpose, such as:

  • High deductibles and copays
  • Travel to and from the hospital for treatment
  • Child care service assistance while recovering

Coverage is guaranteed, no medical questions asked

Guardian's Group Hospital Indemnity Insurance is always "guaranteed issue" – there are no medical questions or exams required, making it easy and hassle free for your you to sign up for coverage.  You can also take the coverage with you if you happen to leave your employer.

How the plan works

Hospital and Intensive Care Unit (ICU) Admission Benefit:

  • Pays a benefit if a covered person is admitted to a hospital or ICU as a result of a covered sickness or injury


Optional benefits1 include:

  • Hospital Confinement
  • Intensive Care Unit (ICU) Confinement
  • Ambulance - Air & Ground  
  • Diagnostic Tests
  • Doctor's Office Visit  
  • Health Screening  
  • Emergency Room & Urgent Care  
  • Home Health Care  
  • Hospice Care    
  • Surgery - Inpatient and Outpatient
  • Outpatient Therapy  
  • Rehabilitation Unit Confinement  
  • Prescription Drugs  
  • Lodging & Transportation


Enhancing coverage

With Guardian's Accident InsuranceCancer InsuranceCritical Illness Insurance, and Hospital Indemnity Insurance plans, you have a robust suite of supplemental health coverage to help you with costs that medical insurance may not cover.

Guardian is here for you

From helping you understand the need for hospital indemnity coverage to answering any of your questions about your overall Guardian insurance plans, you can count on us to be there when you need us most.


Learn more about how Supplemental Insurance works to help manage healthcare costs.


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