Specializing in the small to mid-size business market, Guardian's group business unit serves more than 120,000 employers and six million employees and their families. Traveling abroad? Reviewed on August 23, 2009 / 3 reviews. Guardian Anytime: Employee benefits through my employer or broker. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. It’ll help employees maintain financial stability, and will help you attract and retain a productive workforce. Offering employees supplemental health insurance as a voluntary benefit is a critical solution you can implement for your employees. Key features: Scheduled indemnity plan with three levels of coverage that determine the actual amount paid to insured employees, Multiple plan options can be offered to employees, Simple four-tier rate structure with 24-hour or off-the-job plan design options, Wellness riders supporting a comprehensive list of eligible screenings and preventive procedures including smoking cessation and weight-loss programs as well as annual physicals, Child Organized Sport Benefit pays an additional 20% of child benefits if a covered dependent child (aged 18 or younger) is injured while participating in an organized sport (child must be insured by the plan on the date the accident occurred), Chiropractic visits can be a covered benefit depending on the plan schedule selected. Guardian's Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Complements medical and disability insurance by providing a lump-sum benefit paid directly to a covered employee on the diagnosis of more than 30 different major, chronic, and debilitating illnesses such as stroke, heart attack, cancer, Alzheimer’s disease, and Parkinson’s disease. Site Map, Enter your ZIP code below for free Guardian's Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Supplemental insurance helps employees pay for unexpected costs not covered by medical insurance. Plan documents are the final arbiter of coverage. If you bought Guardian dental insurance from a healthcare exchange, visit Guardian Dental Exchange. Employees receive cash benefits directly, based on covered sicknesses, injuries, treatments and services. Optional riders and/or features may incur additional costs. Wiki Says Guardian has nearly three million customers who hold the company's individual life and disability income insurance and investments products (such as variable annuities, mutual funds, stocks and bonds). Children are covered at no additional cost, and no health questions are required, Cancer benefits can be excluded to ease bundling with a stand-alone cancer insurance plan, Attained-age or issue-age rates available. Types of Supplemental Health Insurance Plans. Policy limitations and exclusions apply. Payments are made to the employee, regardless of medical insurance, and can be used for any purpose. Payouts are based on covered treatments, regardless of whether a medical plan also covers treatment costs. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. Guardian Health Insurance Company. Looking out for those you look after. Protecting your life, health and wealth. It also has another five million customers covered by its employee benefits, including life, health and dental insurance; pension plans; and 401(k) products. Policy Form # GP-1-CI-14. Accident Insurance 3. Three plan levels are available to meet the needs of employers and employees. Why Are Supplemental Health Benefits So Important? In New York State, Critical Illness is referred to as Specified Disease. In particular, the burden of making health care decisions has shifted from employers to employees. Policy Form # GP-1-AC-BEN-12, et al. Now more than ever, employees are forced to consider if they have enough health insurance, and if not, what coverage could fill in the gaps to help insulate them from devastating medical bills. Policy limitations and exclusions apply. Provides benefits to employees for more than 40 different accidental injuries requiring treatment, urgent care, or hospitalization, including common injuries such as burns and fractures, or services during treatment and recovery such as ambulance, physical therapy, and X-rays. 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. Plan documents are the final arbiter of coverage. Key features: Scheduled indemnity plan available in three coverage levels, Benefits for procedures and treatments, such as surgery, chemotherapy, and radiation, Cancer screening benefit available that includes procedures such as mammograms and colonoscopies, Attained-age, issue-age, or composite rates available, Conditional guaranteed issue with one health question, Special underwriting consideration on takeover opportunities. Confidentiality for domestic violence victims, Covers treatment of more than 40 accidental injuries, Provides payment for diagnosis, procedures, screenings & treatment, Compliments medical and disability insurance coverage, Covers hospital admission for covered sickness or injury. Call 1-630-766-7710 or 888-647-2701 (from the U.S.). Products are not available in all states. Benefits through my employer; Employers offering benefits to their employees; Employee benefits brokers Disclaimer: The insurance products on Insure.com are from companies from which QuinStreet may receive compensation. All Rights Reserved. Softens the financial impact of higher medical plan deductibles and other out-of-pocket costs associated with hospital admissions. This policy provides Accident insurance only. Plans can be tailored for different sized groups and with varying coverage riders. Provides a lump-sum payment for diagnosis, screenings, and treatment. Links to external sites are provided for your convenience in locating related information and services. This policy provides limited benefits health insurance only. IMPORTANT NOTICE –THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. If you have insurance outside Guardian that uses the DentalGuard Preferred Select network , search within that network. It does not provide basic medical or major medical insurance as defined by the New York State Department of Financial Services. Policy limitations and exclusions apply. About Guardian Founded in 1860, The Guardian Life Insurance Company of America headquartered in New York, is one of the largest mutual life insurance companies in the United States. The company also offers 401(k), annuities and other financial products and services. All rights reserved. Contact Guardian at: The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004 Telephone: (212) 598-8000 Sources: "Guardian Life Insurance Company of America,” Wikipedia, June 2009; “About Guardian,” Guardian Financial web site, 2009; "Guardian Products for Business," Guardian Financial web site, 2009; “Guardian Life Insurance Company of America,” A.M. Best web site, November 2008. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage. online insurance quotes, Individual Assurance Company Health & Accident Insurance Company, Washington National Health Insurance Company, Philadelphia American Health Insurance Company, Physicians Mutual Health Insurance Company, Blue Cross Blue Shield Health Insurance Company, National Guardian Life Insurance Company Health Insurance.
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