Guardian Hospital Indemnity
Guardian Hospital Indemnity — cash benefits paid directly to you after a covered hospital stay.
New for 2027
If you are currently enrolled in the 2026 plan, you will be rolled over into this new plan automatically.
Guardian Hospital Indemnity replaces the 2026 FlexWork Enhanced Fixed Indemnity (EHIP) standalone plan effective 1/1/2027. Benefits are paid directly to the insured when they need it most and can be used however they choose: to help pay for out-of-pocket medical expenses like co-pays and deductibles or for non-medical expenses such as childcare and transportation.
2027 Monthly Rates
| Coverage Tier | Monthly Rate |
|---|---|
| Employee Only | $29.28 |
| Employee + Spouse | $61.92 |
| Employee + Children | $49.08 |
| Family | $81.72 |
Benefits
| Benefit | Amount |
|---|---|
| Hospital/ICU Admission | $2,500 per admission to a max of 2 admissions per year, per insured |
| Hospital/ICU Confinement | $300 per day to a max of 31 days per year, per insured |
| Emergency Room / Urgent Care Facility Treatment | $100 / $50 per day to a max of 1 day per year, per insured |
| Prescription Drugs | $10 per day to a max of 5 days per year, per insured; max of 10 days per year, per covered family |
| Rehabilitation Facility Confinement | $200 per day to a max of 10 days per year, per insured |
| Office Visits | $50 per day to a max of 3 days per year, per insured; max of 5 days per year, per covered family |
| Diagnostic Tests | $100 per day to a max of 1 day per year, per insured |
- Dependent age limit: child birth to 26 years
- Treatments covered: sickness and injury
- Normal pregnancy is included with no 9-month limitation
- Portability: take the coverage with you even if employment ends (must port coverage prior to age 70)
How to Submit a Claim
- Online: go to guardianlife.com, select "Log in", go to "Your tasks", and select "Submit your hospital indemnity claim online"
- Phone: 800-541-7846
- Fax: 920-749-6417
- Email: hospitalindemnitybenefits@glic.com
- Mail: Guardian Life Insurance, Hospital Indemnity Claims, PO Box 14752, Lexington, KY 40512
A claim will typically be reviewed within 4 to 6 business days, provided all required information is received.