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Guardian Accident Protection Plus Silver

Coverage Summary
(see your policy for further details)
How it Works

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)
Injury Outpatient Treatment
Urgent Care Doctor Visit $10
Diagnostic X-Ray $30
Diagnostic CT, CAT, MRI, EEG  $120
Emergency Room $150
Follow-Up Visit $25
Physical Therapy up to 10x at $25
Injury Ambulance Services
Ambulance $150
Air Ambulance $1,000
Injury Hospital Treatment
Hospital Admission $1,250
Hospital ICU Admission $2,500
Hospital Confinement $250/day
Hospital ICU Confinement  $500/day
Rehabilitation Confinement $100/day
Injury Restorative Treatment
Prescribed Appliance $125
Dental Crown or Extraction from $62.50 to $250
Eye Surgery or Object Removal  $250
Prescribed Prosthetic $1250
Lump Sum Injury Benefits
Concussion $75
Laceration from $30 to $500
Fracture – Non-Surgical  from $90 to $2,250
Fracture – Surgical  from $180 to $4,500
Dislocation – Non-Surgical   from $113 to $2,250
Dislocation – Surgical  from $225 to $4,500
Other Surgery  from $156.25 to $1,250
Burn (2nd, 3rd Degree) from $416.66 to $10,000
Coma up to $7,500
Lump Sum Accidental Dismemberment or Death Benefits
Accidental Dismemberment or Death:  
Member from $6,250 to $25,000
Spouse from $2,250 to $12,500
Child from $1,250 to $5,000

(If an Accidental Death and Accidental Dismemberment result from the same accident, the plan benefit will only pay the Accidental Death Benefit.)

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%

What you pay out-of-pocket before your plan pays benefits
You Pay
There is no deductible


Maximum Payouts
The maximum amount Guardian will pay for accident occurrences
Maximum Guardian Pays
Annual Benefit Maximum

Guardian pays according to the treatment or injury schedule.  There is no annual maximum

Ongoing Eligibility Requirements

Coverage is renewable annually.

Premiums may occasionally change for all members of a class.  If premiums change, you will receive at least 60 days advance notice

Age-Related Termination

Coverage will be terminated at age 90

(see your policy for further details)

This Policy will not pay benefits for any Injury caused by, or related to, directly or indirectly, any of the following:

  • Sickness, disease, mental infirmity or medical or surgical treatment that is not the result of a Covered Accident and is not specifically included under the Accident Benefits..
  • Your being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.
  • Declared or undeclared war, declared or undeclared act of war, or armed aggression.
  • Active Duty Service in the armed forces, National Guard, or military reserves of any state or country. Upon receipt of proof of service, We will refund any Premium paid during Your time of active duty.
  • Your commission of, or attempt to commit, a felony.
  • Treatment rendered or Hospital Confinement outside the United States or Canada.
  • Intentionally self-inflicted Injury, while sane or insane.
  • Suicide or attempted suicide, while sane or insane.
  • Travel or flight in any kind of aircraft, including any aircraft owned by or for You, except as a fare-paying passenger on a Common Carrier.
  • Job related or on the job Injuries to the extent the covered person is eligible for, or compensated by, any state or federal workers' compensation, employers' liability or occupational disease law..
  • An Accident that occurred before You are covered by this Policy.


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 above are illustrative only.  The actual limitations and exclusions that apply to your Accident Insurance 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-NJ