Guardian Direct® is now offering telemedicine coverage. See your doctor from the comfort of your home.
What does it cover?
Guardian Direct covers more than 25 injury and treatment types. Click on each category to view coverage details.
Covers accident-related concussions, lacerations, fractured or broken bones, dislocations, burns, surgery, coma, loss of limbs, and death.
Covers ambulance rides and even air ambulances.
Covers urgent care doctor visits, emergency room visits, and follow-up doctor visits.
Covers diagnostic X-rays, CT or CAT scans, MRIs (magnetic resonance imaging), or EEGs (measures electrical activity of the brain).
Covers hospital and intensive care unit admission and stays.
Covers prescribed appliances, prosthetics, injury-related dental crowns or extractions, and injury-related eye surgery or object removal.
Covers physical therapy sessions and rehabilitation center stays.
Children's Organized Sports Benefit
If your child (18 and younger) was participating in an organized sport when the accident occurred, the cash benefit paid increases by 20%.
How it works
Guardian Direct lends a financial hand when you or a loved one has an accident.
After you or a family member has an accident, you submit a claim including details of the injury and injury-related treatments to Guardian for verification.
Cash Benefit Received
Guardian pays a cash benefit directly to you -- not to doctors or hospitals -- based on the type of injury, the severity of the injury, and the prescribed treatments (no waiting period, no deductible, no extra steps).
Pay any bills you choose -- from deductibles, copays or coinsurance to ambulance charges, crutches or wheel chairs to mortgage, groceries, or child care expenses -- while you are recuperating.
Frequently Asked Questions
Questions about Guardian Direct Accident insurance? We've got answers.
Individual Critical Illness insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Critical Illness Plan are governed by the policy forms approved for use in your state. Please refer to your policy for a complete list of limitations and exclusions. In the event of a conflict between this document and the language stated in your Guardian insurance policy, the language of the policy shall control. This policy provides limited benefits only.
Rates are guaranteed for one year for your policy of benefits initially selected. Policies renew annually up to age 75.
Critical Illness Individual Policy Form IP-CI-16 et. al.
Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers
3 in 5 people don't have the funds to cover a $3,000 medical bill.†
†The Guardian Workplace Benefits Study℠, Fourth Annual, 2016