Click Guardian Anytime: Benefits through my employer or Employers offering benefits to their employees and then Continue. 14 0 obj <> endobj making your retirement carefree, secure and full of joy. Guardian Shield mitigates hardships and financial needs of dependents on account of death or permanent disability of the policyholder. Products are not available in all states. June 29, 2022 Posted in&nbspkawasaki monster energy jersey. Guardian is a registered trademark of The Guardian Life Insurance Company of America. This plan will not pay benefits for cancer that is caused by, or results from, a pre-existing condition if the cancer occurs during the first 12 months that you are covered by this plan. Grow your dental practice Crowns, complex extractions, oral surgery and more. GIAC and PAS are wholly owned subsidiaries of Guardian. Family Protection Plan - Supplementary Benefits. Now, you can have insurance, savings and also cherish those major milestones of life. Select the Guardian's Online Terms and Conditions of Use link, review the information andclick I accept. Right to Work Statement in English and Spanish. implications of losing such a critical member can be enormous. Plan your childs higher education or for the down payment of your home. Guardian Life Address 12 Trafalgar Rd, Kingston, Jamaica View Map Phone Number +1 876-978-8815 +1-876-927-4105 Fax +1-876-978-4225 Website http://www.guardianlife.com.jm Working hours Wednesday: 8:30 am - 3:00 pm See All Share this listing Reviews 0 Reviews 0.0 Write a Review This company has no reviews. When injury and disease strike, supplemental health insurance can help pay for unexpected medical expenses. They also turns claims around quite quickly. The additional cash helps you meet your priorities with more ease. A Guardian Four-Stage Plan can help you to meet all those needs at the various stages of life: The wise ones priority plan: A liquid savings plan that will give back partial sum assured in five different time periods for attaining your precious dreams at various stages of life. * Any rates listed are. 55 Years. Critical illness insurance complements medical and disability insurance plans by providing a lump-sum benefit paid directly to the employee on the diagnosis of more than 30 different major, chronic, and debilitating illnesses such as stroke, heart attack, cancer, Alzheimer's disease, and Parkinson's disease. Very much appreciated. business, Substantial coverage amounts at unbelievably nominal prices, Protection of companys valuation & prospect. I am happy! Sea te cibo audiam moderatius, at mei enim habeo accommodare, vel audiam sanctus consetetur in. Lorem ipsum dolor sit amet, omnes dissentiet mea cu, cu exerci efficiantur suscipiantur vix. These are the personal views of a select group of Guardian Directs customers and may not represent the experience of other customers. The Guardian Key Person Insurance is a Term Life Insurance Plan where the Sum Assured is payable in death or Total and Permanent Disability (TPD) of an individual life; Health Insurance may also be availed to supplement the product. In Jamaica: 978-8815; 978-6839; 978-8887: Toll Free: 1-888-FOR LIFE (367-5433) 1-888-GUARDIAN (482-7342) Outside Jamaica +1(876)978-8815 +1(876)978-6839 +1(876)978-8887: Premier Centre - 12C Constant Spring Road, Kingston 10 . As a member, how do I register for Guardian Anytime? Customer Service Contact Newsroom Customer Support We are available to help Monday through Friday from 7:30 a.m. until 4:00 p.m. If employees retainthe attorney or mediator,they receive 25% off the normal hourly rate. If you have Guardian life insurance offered through an employer, the. Search with the last 4 digits of a phone number to view all listings with phone numbers containing that portion, Guardian Pension and Personal Accident Insurance. The simplest Insurance plan that allows you to cut out all the frills and maximize your Insurance Coverage at the most affordable premiums. Eos at convenire incorrupte efficiendi, has ne laboramus delicatissimi. Costs vary widely depending on the insurance company, type of plan, conditions covered, and cash benefits offered. 52 0 obj <>stream Exelente. This pension plan will protect not only you, but A Guardian Five-Stage Plan can help you to address most of those milestones: Lets keep that smile intact forever: An education plan for your starlet to keep his / her future education miles away from financial hardship. These sought-after benefits can add financial independence that helps companies attract and retain personnel. This product can be z1 ) G qANgfC#YLsUmdy`O&XTuDy&p @8P`gG?0DV-|>57iK#34`eK'CBPFd~9}T#"YLe4 ~ Coming into my second year now with no problems and good service. Even redo your home dcor or even fund your childs marriage! Experts in Healthcare Staffing Long-Term Medical & Nurse Staffing Medical Staffing Solutions Career Nursing in the USA Blog. Policy limitations and exclusions apply. impacts of losing their key human resources due to death or disability. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. Enrollment was quick and easy. Permanent Disability Accidental Benefit (PDAB), Double Indemnity Accidental Benefit (DIAB), Convenient Premium Payment Options (same as base plan), Opportunity to cover family (Spouse & Child), Enjoy attractive discounts at our partner hospitals & cilinical labs with Guardian Life Card, Open you door to a rich network of more than 270 partner Hospitals & Clinical Labs, Owner & Spouse Age: Min. independence with multiple investment options to suit your retirement needs. If it continues to fail, contact us at 1-877-500-2386. Highly recommend. Everyone deserves access to great insuranceno matter how, where, when, or if you work. They may also create, save, print, and revise a wide varietyof online legal forms includingwills, contracts, and leases. If the registration process is not successful,verify the information was entered correctly. 7:30 AM - 4:30 PM. Here are some other types of insurance you should consider getting through work, if available: * Child must be insured by the plan on the date the accident occurred. I chose the plans that I felt were best for me and my needs. I've had no issues with Guardian. Meet your priorities: A liquid savings plan that will give back partial sum assured in three different time periods for attaining your precious dreams at various stages of life. Be the first to share your experiences! Waiting period varies by state and deductibles may apply. Learn more about workplace mental wellness, Employees leaving work-sponsored plans or COBRA, Plan for the retirement you want and envision, Confidentiality for domestic violence victims, Agreement to conduct business electronically, Do Not Sell or Share My Personal Information. Due to accident, if within 90 days from the date of occurrence an insured dies directly from such an accident caused through external, violent and visible in nature then the Company shall pay to the insured the sum assured in addition to the death benefit of the basic policy. Note: If you are a spouse or a dependent over the age of 18, you have the option to complete an authorization so the member can access your claims. Adult & eldercare services Reverse Phone Number Search Tips: Keep it simple: An easy savings plan topping with saving protection coverage and comes with attractive bonuses. Get information and supporton parenting, school issues,adoption, daycare, and other important issues for parents. From the Guardian Anytime Login screen, click Register. It's not just out-of-pocket coinsurance and copay treatment charges that keep going up. Additionally, the plan offers you financial flexibility and Now you can't beat that! you individually and give you the most suitable options that can fit your requirement. -3]&]F/r."NAp! / /ks(N%``j^\:z+;+oyRb ,XO|"3I Cancer insurance provides a lump-sum payment for cancer diagnosis, screenings, and treatment. %PDF-1.5 % Guardian Healthcare Providers participates in E-Verify. hTP1n0 It offers significantly lower premium rates compared to endowment insurance products where sum assured is payable on death or total & permanent disability due to sickness or accident. As individuals it is inherent to differ. Policy limitations and exclusions apply. Note: If you are a spouse or a dependent over the age of 18, you have the option to complete an authorization so the member can access your claims. Here's what people are saying: . First of all, make sure to sign up for regular health insurance plus drug coverage, unless you have other coverage (for example, through your spouse). Right to Return: If you are not satisfied, you may return the certificate within 30 days after receipt. Under your Supplementary Major Medical Plan, the co-insurance is: 90%- 10% on 1st $ 20,000.00. GUARDIAN is a registered trademark of The Guardian Life Insurance Company of America Copyright 2022 The Guardian Life Insurance Company of America. From verified members, see all reviews. Guardian Life Key Person Career Opportunities: 800-365-5787, opt #1. I had a question and the person I called at Guardian Direct was very helpful. Medicare Supplement. Even redo your home dcor or even fund your childs marriage! Legal services Optional riders and/or features may incur additional costs. Accounts and Policies (through financial. Do I have Spring Health mental wellness benefits? At maturity age cannot exceed 25 years, This is a supplementary contract and/or rider benefit which cannot be purchased as standalone product, Discount applicable is no claim initiated at 1st year of the policy. Brentwood, TN 37027, 105 Westpark Drive, Suite 100 Brentwood, TN 37027, Career Opportunities: 800-365-5787, opt #1 All Other: 800-365-5787. Customer support: Call 1-888-Guardian Guardian Anytime (for employee benefits through an employer or broker): Call 1-877-500-2386 or email cru@glic.com. A Guardian Four-Stage Plan can help you to meet all those needs at the various stages of life: The wise ones priority plan: A liquid savings plan that will give back partial sum assured in five different time periods for attaining your precious dreams at various stages of life. Online support groups for addiction recovery, anxiety, depression, frontline workers,grief and loss, parenting,and more. Guardian Life offers a variety of pension plans to ensure Hospital indemnity insurance softens the financial impact of higher health plan deductibles and other out-of-pocket hospitalization costs by paying benefits to employees who are admitted to a hospital or ICU for a covered sickness or injury. !rij; )Of e e=9+K(U" QN2 EFJT7Y"2PsA(4e4qdISLvDj@28tQ4u{{h5u!u5}r. Even redo your home dcor or even fund your childs marriage! Get Directions. hVn8yLNJ@a8u4Am 7T7_w=XD0*"RNOOmK@%0 ;_Cs As a subsidiary of Guardian Holdings, Guardian Life's resources and experience runs deep as do our commitment to wellness development and the improvement of the Jamaican quality of life, which allows us to provide our clients with unparalleled service of the highest quality. 2023-149330-20250131 Plan your childs higher education and plan for the down payment of your home. How can I submit information to Guardian securely? Life presents us with challenges at work and at home on a daily basis. Contact Us +8809612016622 . kSO'y-C_:C?t6upUnsMCj)_~Es[OnIg9[L"YhbSC{?B Make your retired life a respectable & self-sufficient one: A secure retirement plan that will keep you financially solvent for the rest of your life. 0 >stream Disability insurance can help replace your income if you become disabled and can't work. When paid by credit card. Join our dental network today Members - Find a dentist How can we help you? Life changes, but your dental care doesnt have to. Products are not available in all states. This information is for informational purposes only. . Please try again. Not available in NY. All rights reserved. I haven't been with you too long, but I am very pleased with the service. Guardian Direct has been awesome. Toll-free access for you or a family member experiencinga crisis. Had our first dental appt yesterday for the family and everything went smooth. Our Employee Assistance Program (EAP), available through Uprise Health, offers confidential services for a variety of important needs all to support employee well-being and help them think, feel, and perform their best. Waiver of future all premiums for disablement from engaging in or giving attention to any employment or occupation whether for purposes of business, profession or otherwise. A Guardian Five-Stage Plan can help you to address most of those milestones: Lets keep that smile intact forever: An education plan for your starlet to keep his / her future education miles away from financial hardship. Therefore, the information should be relied upon only when coordinated with individual professional advice. .y)dI*o ps+a9>(I3= It was a very easy and fast process with no problems at all!! Office hours: 8:00 a.m. - 5:00 p.m. CT. For emergencies after hours, the phone message directs you to a staff member on call. answers to a few simple questions. You fit my budget and I look forward to a long commitment with your company. business, Substantial coverage amounts at unbelievably nominal prices, Protection of companys valuation & prospect. It is a monthly saving plan, easily affordable to policyholder, offers the full Sum Assured at the maturity along with bonuses declared during the policy term. Voluntary group insurance plans may also offer better coverage and benefits than many individual plans. 24-hour crisis help Guardian Anytime. The best plan for you, your child and your family that includes a splendid admixture of benefits that will secure every stage of childs growth. Up to 3 face-to-face, video or telephonic counseling sessions for relationship and family issues, stress, anxiety,bereavement, and other challenges. These are the personal views of a select group of Guardian Directs customers and may not represent the experience of other customers. c`e``= ,@Q,$Xe~/u``h`,`5H@BYxfu2Y0(^ jcfN fg` o It is not a contract. in death or Total and Permanent Disability (TPD) of an individual life; Health Convenient Premium Payment Options (same as base plan), Opportunity to cover family (Spouse & Child), Enjoy attractive discounts at our partner hospitals & cilinical labs with Guardian Life Card, Open you door to a rich network of more than 270 partner Hospitals & Clinical Labs, Coverage up to BDT 10 lac (not more than 50% of Sum Assured), Enjoy attractive discounts at our partner hospitals & clinical labs with Guardian Life Card, BDT 1 Lac (up to 1 Crore) life coverage at only annual BDT 203, Health Insurance coverage (BDT 50K 5 Lac) with Cashless facility, Up to BDT 10 Lac critical illness coverage for 18 major diseases, Online premium payment, online claim submission and tax rebate facility, Financial protection against business risk, Boost the spirit and morale of the one most critical to your Fact: Nearly 3 in 5 working Americans would have to borrow money to pay for a $3,000 medical bill.. Single Premium Immediate Annuity. It is a monthly saving plan, easily affordable to policyholder, offers the full Sum Assured at the maturity along with bonuses declared during the policy term. Short-term Disability. Now, you can have insurance, savings and also cherish those major milestones of life. The Investors Choice: An investment plan with sure benefit of doubling the invested amount to implement your precious long-term goals. An employee of a company or a member of a Guardian groupbenefit plan. The smart savings plan accrues attractive bonuses every year which multiplies your savings and allows you to achieve your long term savings goals. ;QCT Each individual's insurance needs and This policy acts as an easy & access point for availing the rider benefits like Health Insurance & Critical Illness coverage. If the registration process is not successful, verify the information was entered correctly. Optional riders and/or features may incur additional costs. The Investors Choice: An investment plan with sure benefit of doubling the invested amount to implement your precious long-term goals. Buy your better half that special gift that you always longed for but never could manage. Enjoy attractive discounts at our partner hospitals & cilinical labs with Guardian Life Card; Open you door to a rich network of more than 270 partner Hospitals & Clinical Labs; . 02, Plot # 02, Road # 144, Gulshan Avenue, life is easier when we take time to make each other stronger. Coverage is based upon underwriting approval and coverage does not begin until first payment is received. Your browser either does not have JavaScript enabled or does not appear to support enough features of JavaScript to be used well on this site. 02, Plot # 02, Road # 144, Gulshan Avenue, My sign-up experience was easy and fast. As a subsidiary of Guardian Holdings, Guardian Lifes resources and experience runs deep as do our commitment to wellness development and the improvement of the Jamaican quality of life, which allows us to provide our clients with unparalleled service of the highest quality. Consult a tax, legal, or accounting professional regarding your individual situation. Each individual's insurance needs and document.write(new Date().getFullYear()), The Guardian Life Insurance Company of America. Copyright 2023 Guardian Life Insurance. Every person is unique and so are their requirements. Your coverage may not become effective until you submit proof of insurability to us. document.write(new Date().getFullYear()), The Guardian Life Insurance Company of America. The plan will then pay you 100% of eligible expenses after that up to the maximum . Guardian Prodriddhi Your perfect solution to Insurance & Savings combined into one perfect package. Paid Family / Medical Leave. Guardian Online Plan Advisor recommends insurance plans that are right for you, based on your Contact Us - Guardian Healthcare. As individuals it is inherent to differ. Two E Gilman St. Madison, WI 53703-1479. | ( ) + -, Plan your goals with a lump sum pay out at maturity, Meet important milestones of your Childs education, Plan your goals with a lump sum pay-out at maturity. Corporate Office Our EAP provides a wide range of work-life services to help employees manage a variety of challenges, including: Financial counseling Keep it simple: An easy savings plan topping with saving protection coverage and comes with attractive bonuses. Please enable JavaScript to use this page. If your employer offers group-rate life insurance, it can cover at least some of your family's needs, and the rates may be more affordable than coverage purchased individually from a life insurance company. Contact Information. Guardian offers four different kinds of voluntary supplemental health plans for employers. Plan your childs higher education or for the down payment of your home. A pre-existing condition is a cancer, whether diagnosed or misdiagnosed, for which in the 90 days before you become covered by this plan, you: (1) received advice or treatment from a doctor; (2) underwent diagnostic procedures; (3) were prescribed or took prescription drugs; or (4) received other medical care or treatment, including consultation with a doctor. The child must be 18 years of age or younger. Every person is unique and so are their requirements. The monetary & non-monetary Thank your for your request. Everything has been paid, and all questions answered. The plans pay a cash benefit directly to the covered employee or family member, not the hospital or doctor. Guardian is committed to helping you. TTY/TDD: . The smart savings plan accrues attractive bonuses every year which multiplies your savings and allows you to achieve your long term savings goals. Guardian Life Limited is an assurance company offering life insurance in Jamaica since 1999. Policy limitations and exclusions apply. 30 days of access with a personalmoney coach who will work with employees to identify financial goals, assesscurrent financial situation,and suggest an actionplan. This product can be your ideal solution for provisions during the loss of a critical human resource of your . 100%- above $20,000.00. Guardian is a registered service mark of The Guardian Life Insurance Company of . Now, you can have insurance, savings and also cherish those major milestones of life. Guardian Life believes in customer-first policy and is thus always committed to 2 Guardian's Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Can I add an additional group or division number to my current User ID. In your absence, the policy offers 10 years of guaranteed pension for your precious family. impacts of losing their key human resources due to death or disability. your ideal solution for provisions during the loss of a critical human resource Guardian is not responsible or liable for care or advice given by any provider or any service offering within the Employee Assistance Program. In your absence, the policy offers 10 years of guaranteed pension for your precious family. Your website is very easy to use. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Links to external sites are provided for your convenience in locating related information and services. Dhaka- 1212. Please see your plan for more details. Their dental network is extensive with outstanding dentists. Supplemental health plan benefits can be a powerful source of protection against these costs, and that's why so many people want them. ! Ns meeting the diverse needs of its customers. It's great to be able to have affordable dental care. Wellness riders can be included for screenings and preventive procedures, including smoking cessation, weight-loss programs, and annual physicals, The Child Organized Sport Benefit pays up to an additional 25% of child benefits if your covered dependent child (aged 18 or younger) is injured while participating in an organized sport. While employees may purchase these types of supplemental health insurance plans as individuals, they can often save money by getting a group plan at work. Employees do not have to face these challenges alone. All Rights Reserved. Quick responses when sending out-of-pocket receipts. Email this article Guardian is a great company to work with. To register for online account access, follow the steps below. To register for Guardian Anytime as a member or dependent, follow thesteps below. Primary hours. However, generally speaking, insurance plans that cover more types of injuries or illnesses and provides higher benefit payments are more valuable and likely more costly than plans which cover fewer conditions and offer lower benefit payments on claims. are wholly owned subsidiaries of Guardian. CST. Optional riders and/or features may incur additional costs. requirements are different from that of the others. Email this Business. Optional riders and/or features may incur additional costs. Telephone: In Jamaica: 978-8815; 978-6839; 978-8887: Toll Free: 1-888-FOR LIFE (367-5433) 1-888-GUARDIAN (482-7342) Outside Jamaica . The best mix of investment & protection for your family. Guardian Group presented $500,000.00 in SHINE proceeds to 40 Charities Guardian Group's Shoebox Project 2022 Additionally, the plan offers you financial flexibility and There are different types of plans available, and many employers offer them on a voluntary basis (i.e., employee-paid) to provide added financial protection to their workers. Guardian Health offers online convenience for claim submission and adjudication, real-time claims processing, and member access to payments and balances. The easy savings plan focuses on your convenience with comparatively lower premium rates and a pre-defined maturity value. years. Our EAP is designed to be accessible from anywhere, on a desktop, mobile, or other connected device. also your loved one, for the rest of his / her life. To register select the appropriate role (member, provider or broker) from the "User Type" drop down menu, and then press next. Guardian and IBH reserve the right to discontinue the Employee Assistance Program at any time without notice. endstream endobj 18 0 obj <>stream requirements are different from that of the others. We get it, and we get you. It also covers treatment and recovery services such as ambulance transportation, physical therapy, and X-rays. Insurance may also be availed to supplement the product. The idea is to ensure freedom through financial independence and thus Guardian Life offers a variety of pension plans to ensure ,BO:|AP%hiBhR feNH >d* Mjo we're in the business of protecting them. %%EOF Based in Manhattan, it has approximately 8,000 employees in the United States and a network of over 3,000 financial representatives in more than 70 agencies nationwide.As of 2018, it ranks 239th on the Fortune 500 list of largest American corporations by revenue. Make your retired life a respectable & self-sufficient one: A secure retirement plan that will keep you financially solvent for the rest of your life. endstream endobj 21 0 obj <>stream Cherish those special moments with your grandchildren. 3 Guardian's Cancer Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Low and behold, the plans I picked (at an affordable rate) are perfect. 2023 The Guardian Life Insurance Company of America, New York, NY. If it continues to fail, contact us at 1-877-500-2386. Proof of Insurability: If your plan requires proof of insurability, it will be shown in the schedule of insurance. ')y8)P' 2)P!z ^{.%0Vn}z7 8`+ 8ZthI_O;FQ8!p9jw2WMUFYAH1_{6]"\fM-XV|D1+97?m+e_bKiW)+F$NM$'CS+v5ojb/E;ejw[7ewI'&xxo MC))Pv=US)l|qZ*? endstream endobj 15 0 obj <> endobj 16 0 obj <> endobj 17 0 obj <>stream How do I file a Short Term Disability (STD) claim? Contact Us; Careers; Linkedin. Zero months waiting period of Basic Care not available in all states. Guardian Life Limited is an assurance company offering life insurance in Jamaica since 1999. Limited out-of-pocket expenses. This is really good insurance. I really like Guardian dental insurance. Specialty Insurance Markets. Child & parenting services The Guardian Life Insurance Company of America is one of the largest mutual life insurance companies in the world. Guardian, GIAC, and PAS are all located at 10 Hudson Yards, New York, NY 10001. Guardian Shield is a term life insurance plan that will ensure the current and future financial security of your family easily at a nominal premium. Policy limitations and exclusions apply. GLIL's Insurance Plans are policies that talk to Insurance may also be availed to supplement the product. Enrolled about 3 months ago. This means that the plan will pay you back at 90% of eligible expenses up to the first $20,000.00 after you have satisfied the Deductible. community connections offering support to various causes matters to us, because it matters most to you. Exclusions: This plan will not pay benefits for the following: services or treatment not included in the schedule of insurance; services or treatment provided by a family member; services or treatment provided primarily for cosmetic purposes; services or treatment for premalignant conditions; services or treatment for conditions with malignant potential; services or treatment for non-cancer sicknesses; cancer caused by, contributed to by, or resulting from: (1) participating in a felony, riot or insurrection; (2) intentionally causing a self-inflicted injury; (3) committing or attempting to commit suicide while sane or insane; (4) your mental or emotional disorder, alcoholism or drug addiction; or (5) engaging in any illegal activity; or (6) serving in the armed forces or any auxiliary unit of the armed forces of any country; cancer arising from war or act of war, even if war is not declared. If you're an employee, ask your HR manager what supplemental health benefits are available and when you can sign up. ~PlIRN:4b!9PAsIZiqQ`@"5h[p 4 9%zJS t n7Y7tq /FAd"("EgM}|3o? 4 Guardian Hospital Indemnity Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY and will not be effective until approved by a Guardian underwriter. As a healthcare provider, how do I register for Guardian Anytime? I have recommended your company to my friends and family! Sign up within 120 days after leaving your employer-sponsored Guardian plan, choose a new plan with Guardian Direct, and well waive the waiting period. The amount of premium you have paid will be refunded provided no claim has been incurred during the 30-day period. 02, Plot # 02, Road # 144, Gulshan Avenue, *, Chiropractic visits can be a covered benefit, depending on the plan selected, Benefits for procedures and treatments, such as surgery, chemotherapy, and radiation, Cancer screening benefit available that includes procedures such as mammograms and colonoscopies, A choice of four standard schedules of coverage paid, with additional options for flexibility, The ability to offer multiple accident insurance plan options for employees to choose from, A simple four-tier rate structure with 24-hour or off-the-job plan design options, Three insurance plan levels to cover a wide range of budgets and employee needs, Composite, Attained-age, or issue-age, rates available, Guaranteed Issue coverage or just one health question required, Special underwriting consideration on takeover opportunities, Lump-sum benefits are available up to $50,000, Benefit options let employees select the coverage that best meets their needs, Pays for the first occurrence of a critical illness, with the option to include recurrence benefits, No lifetime maximum; benefits are payable on all conditions, Children are covered at no additional cost, and no health questions are required, Helps reduce the financial burden of high deductibles, coinsurance, and copays, Pays benefits directly to the employee whether or not charges are covered by a medical plan, Hospital indemnity benefit can be used for any purpose by employee.