Guardian Accident Insurance Overview

Watch our video How accident insurance can get you back on your feet. Accident insurance Accidents happen. With accident insurance, you can help them hurt a bit less. Accident insurance is an extra layer of protection that gives you a cash payment to help cover out-of-pocket expenses when you suffer an unexpected, qualifying accident. Who is it for? Nobody can predict when an accident might happen. That’s why accident insurance is an important add-on policy for people who want to supplement the health and disability insurance coverage they already have individually or through an employer. What does it cover? Accident insurance pays you lump sum benefits after an accident happens. This could be a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer an increased benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football. Thechild must be covered at thetime the accident occurred and be 18 yearsofageor younger. Why should I consider it? Health coverage may become more expensive, with higher co-pays, premiums, and deductibles. Accident insurance can be a simple, affordable way to help supplement and cover additional expenses your health and disability insurance may not cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries. Plus, accident insurance is portable and payments are made directly to you. Added support during recovery Amandabreaks herlegfallingoffher bike andneeds emergencytreatment. Average non-surgical broken leg treatment expense: $2,500 Average Major Medical deductible: $1,500 Major Medical covers 80% of the surgical cost after the deductible is met, but Amanda’s still responsible for 20%: $200 Totalout-of-pocketamountfor Amanda(deductible + coinsurance): $1,700 Amanda’s Guardian Accident policy pays her a benefit of $1,700, which covers all of her out-of-pocket expenses. This example is forillustrative purposes only. Yourplan’s coverage mayvary. See yourplan’s information on the followingpages forspecific amounts anddetails. You willreceive these benefits ifyou meetthe conditions listedin the policy. GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America AesopIntermediateLLC Kit created 12/05/2022 ALL ELIGIBLE EMPLOYEES Groupnumber:00554984 2021-117413 (03/23) 29