Find a doctor Contact Us Find a plan Get care Stay healthy Resources Log in/Register Small business Small business Dental Medical, pharmacy and vision Spending accounts Additional workplace benefits Critical illness, accident, and cancer insurance Hospital indemnity insurance Disability insurance Life insurance International health insurance The College Tuition Benefit GradFin Student Loan Solutions Small business FAQ Large business Why IBX for business Employer resources Hospital indemnity insurance For small businesses High deductibles and copays for hospital stays can be tough for your employees to manage. If you have 25 or more employees, Guardian Hospital Indemnity insurance can help bridge the gap between your employees' health coverage and their out-of-pocket costs when an illness or injury leads to the hospital. Give your employees and their families an extra level of security and peace of mind by offering Hospital Indemnity options. Advantages of Guardian Hospital Indemnity insurance: Reduces the financial burden of high out-of-pocket costs associated with hospital stays Pays indemnity benefits directly to the employee whether or not charges are covered by your employee's plan Plans are always guaranteed issue and HSA-compatible plans are available With Guardian Hospital Indemnity insurance, you get a range of benefits to choose from, to create the best fit with your employees’ medical plans (including HSA plans), other supplemental plans, and budget. Learn more about Guardian Hospital Indemnity insurance Independence Blue Cross offers products through its subsidiaries Independence Hospital Indemnity Plan, Keystone Health Plan East and QCC Insurance Company, and with Highmark Blue Shield — independent licensees of the Blue Cross and Blue Shield Association. The Blue Cross and Blue Shield names and marks are registered marks of the Blue Cross and Blue Shield Association, an association of Blue Cross and Blue Shield Plans. The products listed are offered by The Guardian Life Insurance Company of America, an independent company. These are not Blue Cross or Blue Shield products. Independence Blue Cross is acting solely as an agent for Guardian. Guardian is solely responsible. The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004. GUARDIAN® and the GUARDIAN G® logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission. For agent/broker use only. Not for use with the general public. Guardian Accident Insurance and Critical Illness policies are underwritten by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy #: GP-1-AC-IC-12, GC-CI-11 et al Pennsylvania regulations require appropriate licenses and carrier appointment prior to soliciting carrier products. Contact Guardian Customer Service at 800-627-4200, Mon. — Fri., 7 a.m. — 8 p.m. EST to validate appointments or obtain appointment materials. Find a plan Individuals and families Employers Medicare Get care Find doctors and hospitals Prescription drug information Behavioral physical and emotional health Stay healthy Health and wellness perks Events IBX Insights Resources For employers For brokers For providers For members Independence Blue Cross About us Careers Newsroom IBX Foundation IBX Innovation Facebook Instagram Twitter LinkedIn Youtube Pinterest © 2021 Independence Blue Cross. Independence Blue Cross is a subsidiary of Independence Health Group, Inc. — independent licensees of the Blue Cross and Blue Shield Association, serving the health insurance needs of Philadelphia and southeastern Pennsylvania Sitemap | Legal | Privacy & other policies | Anti-fraud | Developer resources Language access: Español | 官话/官話广东话 | Tagalog | Français | Tiếng Việt | Deutsche | 한국어 | ру́сский | язы́к | العَرَبِيَّة | मानक | हिन्दी | Italiano | Português | Kreyòl | Język | Polski | 日本語 | Pennsylvania Deitsch | ែខមរ | Diné bizaad