Small business

Hospital indemnity insuranceFor small businesses

High deductibles and copays for hospital stays can be tough for your employees to manage. If you have 25 or more employees, Guardian Hospital Indemnity insurance can help bridge the gap between your employees' health coverage and their out-of-pocket costs when an illness or injury leads to the hospital. Give your employees and their families an extra level of security and peace of mind by offering Hospital Indemnity options.

Advantages of Guardian Hospital Indemnity insurance:

  • Reduces the financial burden of high out-of-pocket costs associated with hospital stays
  • Pays indemnity benefits directly to the employee whether or not charges are covered by your employee's plan
  • Plans are always guaranteed issue and HSA-compatible plans are available

With Guardian Hospital Indemnity insurance, you get a range of benefits to choose from, to create the best fit with your employees’ medical plans (including HSA plans), other supplemental plans, and budget.


Independence Blue Cross offers products through its subsidiaries Independence Assurance Company, Independence Hospital Indemnity Plan, Keystone Health Plan East, and QCC Insurance Company — independent licensees of the Blue Cross and Blue Shield Association.

The products listed are offered by The Guardian Life Insurance Company of America, an independent company. These are not Blue Cross or Blue Shield products. Independence Blue Cross is acting solely as an agent for Guardian. Guardian is solely responsible.

The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004. GUARDIAN® and the GUARDIAN G® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission. For agent/broker use only. Not for use with the general public. Guardian Accident Insurance and Critical Illness policies are underwritten by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage.

Policy #: GP-1-AC-IC-12, GC-CI-11 et al

Pennsylvania regulations require appropriate licenses and carrier appointment prior to soliciting carrier products. Contact Guardian Customer Service at 800-627-4200, Mon. — Fri., 7 a.m. — 8 p.m. EST to validate appointments or obtain appointment materials.