Critical illness insurance

Financial support for life's critical moments

Even with major medical coverage, employees facing a critical event can still be on their own when it comes to out-of-pocket costs. These can include deductibles, copays and coinsurance, plus other costs from changes in daily activities like childcare and transportation.

Symetra's critical illness insurance is designed to provide financial support to people of all ages, in all stages of life.

Our benefits go beyond standard critical illness coverage and can be valuable for employees whether they're just entering the workforce, starting a family, or planning for retirement.


Products, features, terms and conditions may vary by state and may not be available in all U.S. states or any U.S. territory.

Benefits for every stage of life

Our critical illness plan is highly flexible to meet the unique needs of your clients. Start with a core or enhanced core plan, which includes standard covered conditions, then see how adding additional modules and conditions can help you build competitive benefit options for your clients.

Click on each plan to see the full list of covered conditions.
+ Core coverage For conditions such as heart attack, stroke, cancer and more.
+ Enhanced core coverage Core coverage plus non-melanoma skin cancer, sudden cardiac arrest, mini stroke and stem cell (bone marrow) transplant.
Click on each additional module to see the full list of coverage options.
+ Family planning module Infertility treatments such as IUI, surgeries and more.
+ Childhood conditions module Down syndrome, autism and more.
+ Infectious diseases module COVID-19, pneumonia, influenza, meningitis and more.
+ Diabetes module Type II and severe complications.
+ Enhanced cardiac conditions module Severe chronic heart failure, sudden cardiac arrest and more.
+ Pregnancy and childbirth module Severe complications for mother and/or child and more.
+ Mental illness module Significant mental illnesses.
+ Autoimmune conditions module Hashimoto’s thyroiditis, Crohn’s disease, rheumatoid arthritis and more.
+ Pulmonary module Severe COPD and pulmonary fibrosis.
+ Neurological module Brain aneurysms, brain tumors, dementia and more.

Compelling features to empower your customers

  • Ability to customize benefits to meet the unique needs of every group.
  • No waiting periods, preexisting condition limitations or age-based benefit amount restrictions.
  • Portability and continuation options.
  • Enhanced recurrence benefits.
  • Broad definitions for medical conditions, with coverage for hundreds of potential diagnoses.
  • Flexible premium rate structures to ensure successful integration with today's payroll and benefit administration platforms.

Want to learn more? Contact your Symetra representative today.

Select Benefits policies are insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S. states or any U.S. territory.

Select Benefits insurance policies are designed to provide benefits at a preselected, fixed dollar amount. They are not a replacement for a major medical policy or other comprehensive coverage and do not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your Symetra representative.