Effective: Group Number:
Hospital Indemnity Benefit Summary
A Hospital Indemnity insurance plan through Guardian provides: • A cash benefit when you are admitted to a hospital, whether or not these charges are covered by your medical plan • Benefit payments sent directly to you and can be used for any purpose – from covering medical copays and deductibles to paying
for everyday expenses such as the mortgage, groceries and utilities • Simple enrollment with no health or medical questions to answer • Ability to take the coverage with you if you change jobs or retire About Your Benefits:
Hospital Indemnity
Option 1
Coverage Details
Your Monthly premium
$23.70
You and Spouse
$46.60
You and Child(ren)
$33.75
You, Spouse and Child(ren)
$56.65
Benefits
Hospital/ICU Admission
$500 per admission, limited to 1 admission(s) per insured and 3 admission(s) per covered family per benefit year. $250/$250 per day, limited to 30 day(s) per insured per benefit year.
Hospital/ICU Confinement
Pre-Existing Conditions Limitation - A pre-existing condition includes any condition for which you, in the specified time period prior to coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs. Portability - Allows you to take your Hospital Indemnity coverage with you if you terminate employment.
12 months prior, 12 months after
Included
Child(ren) Age Limits
Children age birth to 26 years
Applicants over the age of 69 are not eligible to enroll in the Hospital Indemnity coverage.
UNDERSTANDING YOUR BENEFITS – HOSPITAL INDEMNITY Hospital Admission & Hospital ICU Admission benefits are not payable on the same day. Premium will be waived if you are hospitalized for more than 30 days. Hospital admission or confinement benefits are not payable for a newborn unless the child is admitted to the Neonatal ICU. Hospital/ICU confinement benefits are not payable on the same day as Hospital/ICU admission benefit. After initial enrollment, Hospital Indemnity coverage will continue as long as an insured is actively at work.
Manage Your Benefits:
Need Assistance?
Go to www.GuardianAnytime.com to access secure information about your Guardian benefits. Your on-line account will be set up within 30 days after your plan effective date. www.guardiananytime.com.
Call the Guardian Helpline (888) 600-1600, weekdays, 8:00 AM to 8:30 PM, EST. Refer to your member ID (social security number) and your plan number: 00566110
All Eligible Employees Benefit Summary The Guardian Life Insurance Company of America, New York, NY
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