Nobody can predict an accident, which is why accident insurance is a good add-on for people who already have health and disability insurance coverage through their employer or individually. We offer accident insurance that you can buy from us directly or through participating employers.

Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football*.

With health coverage becoming more expensive with higher co-pays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries.

Hospital Indemnity Insurance is for people who need help covering the costs associated with a hospital stay if they suddenly become sick or injured.

If you are admitted to a hospital for a covered sickness or injury, you can receive payments that 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

 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. Payments are made directly to you , even if you did not actually incur any out-of-pocket expenses.