Optional Supplemental Health Plans

Accident, Critical Illness and/or Hospital Indemnity insurance from Guardian supplements your medical coverage to provide additional protection for yourself and your family.

Accident Insurance

Accident insurance provides a financial benefit for injuries resulting from an accident. A lump-sum payment is made directly to you, regardless of any other insurance you may have. It’s yours to spend how you like, including for everyday living expenses.

Critical Illness Insurance

An illness can seriously affect your financial health. Critical Illness insurance can offset the costs your existing health and disability benefits do not cover. You may elect coverage for you, your spouse and/or children, which will be paid in a lump sum in the event you are diagnosed with certain conditions, including (but not limited to) cancer, a heart attack, stroke and major organ failure.

Hospital Indemnity Insurance

Hospital indemnity insurance protects you with coverage should you be hospitalized due to an accident or sickness. With a lump-sum benefit paid directly to you, you can cover any expenses as needed, such as out- of- pocket medical expenses like co-pays and deductibles or for non-medical expenses such as childcare, or transportation.