Accident
If you and your family are active, chances are, you have encountered accidents and emergency rooms. Even if you have medical insurance, a fall while biking or your child’s sprained ankle at soccer practice can cost you.
In the case of an accident, Guardian pays you cash benefits based on covered injuries, treatments and services. Payments go directly to you, and you can pay for other expenses, like traveling to the hospital, childcare and lost income from missed work.
This plan provides a $50 per year benefit for completing certain routine wellness screenings or procedures.
Accident Insurance Video
Critical Illness
Healthcare costs are on the rise. Even with medical insurance, you’re still responsible for copayments, deductibles and other out-of-pocket costs, so a serious illness could really set you back financially. Guardian critical illness insurance supplements your medical plan — no matter what type of other coverage you have. Guardian pays you cash benefits based on each eligible diagnosis. The cash benefits are paid directly to you — you decide how to use them.
This plan provides a per year benefit for completing certain routine wellness screenings or procedures. $50 for each employee, spouse, and child.
Examples of covered illnesses include:
- Cancer
- Heart attack
- Stroke
- Organ failure
- Multiple sclerosis
Critical Illness Video
Hospital Indemnity
If you become seriously ill or injured, it’s likely you will have a hospital stay. While medical insurance may cover the hospital bills, there will also be nonmedical expenses such as transportation to medical treatment or additional child care that could be considerable. Guardian hospital indemnity insurance supplements your medical plan in the case of a hospitalization.
Guardian will waive the pre-existing condition limit for pregnancy. This means that those currently pregnant or anticipating becoming pregnant before the start date of coverage can receive the cash benefits for a hospital stay even though the condition was known at the time of election.
You receive cash benefits based on your covered sickness or injury, treatments, and services. The cash benefits are paid directly to you and can be used for any purpose — from covering medical copays and deductibles to paying for everyday expenses such as the mortgage, groceries and utilities.
Hospital Indemnity Video
