Guardian Accident Protection Plus Gold
Coverage Summary(see your policy for further details) |
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How it Works |
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Accident Protection Plus Insurance is a benefit that supplements your existing medical coverage. It can help with expenses related to an accidental injury, such as a broken bone or a concussion, that medical insurance may not fully cover. The benefit is paid directly to you and can be used to offset your out-of-pocket costs related to the accidental injury in any way you choose, including to offset medical insurance deductibles, ambulance charges, crutches or braces, or other related costs. Upon verification of a covered accident type, you will be eligible to receive a payout according to the schedule below, by treatment and/or injury type. |
Your Plan Benefits |
Guardian Pays(see policy for full list of coverage) |
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Injury Outpatient Treatment |
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Injury Ambulance Services |
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Injury Hospital Treatment |
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Injury Restorative Treatment |
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Lump Sum Injury Benefits |
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Lump Sum Accidental Dismemberment or Death Benefits |
(If an Accidental Death and Accidental Dismemberment result from the same accident, the plan benefit will only pay the Accidental Death Benefit.) |
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Children’s Organized Sports Benefit | If a dependent child (18 and younger) was participating in an organized sport when the covered accident occurred, the benefit paid will increase by 20% |
DeductiblesWhat you pay out-of-pocket before your plan pays benefits |
You Pay |
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There is no deductible | $0 |
Maximum PayoutsThe maximum amount Guardian will pay for accident occurrences |
Maximum Guardian Pays |
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Annual Benefit Maximum | Guardian pays according to the treatment or injury schedule. There is no annual maximum |
Ongoing Eligibility Requirements |
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Renewability | Coverage is renewable annually. Premiums may occasionally change for all members of a class. If premiums change, you will receive at least 30 days advance notice |
Age-Related Termination | Coverage will be terminated at age 90 |
Exclusions(see your policy for further details) |
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This Policy will not pay benefits for any Injury caused by, or related to, directly or indirectly, any of the following:
Accident Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Those shown are illustrative only. 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 plan documents for a complete list of limitations and exclusions. Plan documents are the final arbiter of coverage. Policy Form # IP-ACC-16-ID
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