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Accident Protection Plus.  Because everyone deserves a Guardian

Do you have gaps in your health insurance?  Avoid the savings drain that can be caused by a serious injury

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Accident plans starting at less than
$14.95
per month in most states
†Costs vary by state.

  • Helps with expenses your medical insurance doesn't fully cover such as deductibles, co-pays or co-insurance, and any other out-of-pocket costs
  • Covers over 25 different injury and treatment categories.  Your cash benefit amount will depend on the type of injury you experience, the severity of injury, and the type of treatment you receive

  • Delivers cash payment directly to you - not to doctors or hospitals

  • Your cash benefit can be used for any purpose you choose, including medical bills, your mortgage, child care, groceries, and more

There are 2 Accident plans available

Guardian Accident
Protection Plus Gold

__________

Great for people who don't want to use savings to pay for an accident

  • No deductible
  • No annual maximum

Sample Guardian Coverage

Guardian Accident
Protection Plus Silver

__________

Great for people who have medical insurance with a high deductible

  • No deductible
  • No annual maximum

Sample Guardian Coverage

 

Click on each case below to see how you can save

Case studies

While walking her dog on a rainy night, Liz tripped and fractured her ankle. Guardian Accident Protection Plus paid her a cash benefit of $1,260, covering her out-of-pocket medical expenses and protecting her savings.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

While playing in a high school football game, Danny took a hard hit, resulting in a neck injury. Guardian Accident Protection Plus paid a cash benefit of $2,960 plus an additional 20% because the injury was during school sports.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.  Children's Organized Sports Benefit not available in NY.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

Sophie was involved in a car accident and sustained significant injuries. Guardian Accident Protection Plus paid her a cash benefit of $1,535, covering expenses her medical insurance did not fully cover.

 

* Coverage based on Silver Plan reimbursement. Actual coverage may vary.

This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

Jeff broke his femur in a skiing accident while on vacation and had to be air lifted to the emergency room in the next town.  He received a total cash benefit of $5,740 for his covered injury and treatments.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

While Mark was grilling steaks at a summer BBQ, a mishap caused Mark to suffer 2nd degree burns.  Guardian Accident Protection Plus paid Mark a total cash benefit of $5,100, covering his out-of-pocket medical expenses.

 

* Coverage based on Gold Plan reimbursement. Actual coverage may vary.This story is a fictional example based upon estimated costs and should not be used as basis for any specific decision making. #2018-70895 (exp. 1/21)

 

 

Individual accident insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Accident Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides limited benefits only.

Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually up to age 90.

Accident Individual Policy Form IP- Accident: IP-ACC-16 et. al.

 

Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers