Hospital indemnity insurance

A financial safety net for the unexpected

Even with a major medical plan, employees can face out-of-pocket costs from copay, coinsurance or deductible requirements. That's why our hospital indemnity insurance offers 24/7 coverage for inpatient hospital stays, including automatic maternity coverage for newborns and mothers.¹

Clients choose their plan’s per-day benefit amounts, who is eligible, and how much to contribute to the premium, if at all. They can also enhance their plan with a variety of optional benefits to meet their coverage goals.

Also covers stays in

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Intensive care units (ICUs)

substance abuse

Substance abuse facilities

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Mental health facilities

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Nursing facilities²

Optional additional benefits

Note: Benefits vary by state and may impact a plan’s HSA compatibility.³ Contact your Symetra representative to learn more.

Initial day confinement benefit (admission benefit)

This optional benefit provides a significantly higher benefit for the first day of a hospital admission. HSA-compatible.³

Wellness/preventive care benefit

Pays a per-day benefit for routine/preventive screenings like physical exams or mammograms.

Hospital observation benefit

Pays a benefit for a hospital bed and periodic monitoring for a period of less than 24 hours.

Surgical procedure benefits

Pays a specified benefit for a surgery done in an inpatient or outpatient surgical facility, or at a doctor’s office.

Ground and air ambulance transportation

Pays a benefit for ground ambulance transportation, or air ambulance transportation at double the ground transport amount.

Emergency room benefit

Pays a benefit if the insured is treated at the emergency room and then released.

Outpatient care benefits

Pays a specified benefit for the following, even when the insured isn’t admitted to a hospital:

Wellness exams and screening tests
Medical imaging (X-rays, MRI or CT)
Physical therapy, cardiac rehab, occupational therapy or chiropractic care

Compelling features to empower your customers

Automatic newborn and adoptive child coverage for first 31 days.¹
Guaranteed issue coverage.
No coordination of benefits.
Portability and continuation options.
No required networks.
Tiered or composite rates.
No preexisting condition limitations, including pregnancy.

Tools to support your client discussions

Want to learn more? Contact your Symetra representative today.

Fixed-Payment Indemnity policies (also known as “hospital indemnity policies”), insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in all U.S. states or any U.S. territory. They are designed to provide benefits at a preselected, fixed dollar amount. They are not a replacement for major medical or other comprehensive coverage, and do not satisfy the minimum essential coverage requirements of the Affordable Care Act. Base policy number is SBC-00500 8/12.

Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions.

¹Insureds must enroll a child as a dependent on their plan within 30 days of birth in order for coverage to continue beyond the first 31 days. In Washington newborn and newly adopted child coverage is automatic for the first 60 days. For coverage to continue, the insured must notify Symetra of the birth or adoption and pay the required premium within the 60 days.

²Nursing facility benefits are paid only if following a covered hospital stay of at least three consecutive days.

³This plan is designed to be compatible with health savings accounts (HSAs). Please consult with your tax and/or legal professional to determine which supplemental benefits may be purchased by employees with an HSA.