Per-occurrence accident

Symetra considers any stage of breast cancer (even Stage 0) as invasive cancer in terms of benefit payouts.

Optional benefits for mental illness, infertility treatments, sudden cardiac arrest, mini stroke (TIA) and more.

Broad diagnosis requirements for medical conditions make it easy for employees to qualify for claims.

Pays the organ transplant benefit when the need for a transplant identified, not after it's completed, so that more insureds qualify for claims.

Group disability: Serious illnesses often require time away from work. Having both plans helps employees recover from their medical bills and lost income.

Stop loss: A $5,000 step-down deductible may be available for groups who offer Symetra Critical illness along with their Symetra Stop Loss policy.

An initial accident benefit is paid with every approved claim to help cover incidentals such as travel, parking and over-the-counter medication.

Benefits for sprains, accidental poisoning, gunshot wounds, animal bites and other frequently seen injuries.

Optional benefits to support parents, pet owners, organized sport participants, multigenerational households, first responders and health care workers.

Health care workers can receive additional benefits if they’re injured while performing their job duties, including injuries resulting from workplace aggravated assaults and occupational HIV/HEP/TB exposures or diagnoses. They can also receive an increased benefit amount when they choose to visit a hospital or facility within their group’s system.

First responders who sustain a covered injury while performing their standard occupational duties receive an additional benefit payout. They also receive benefits for gunshot wounds, workplace aggravated assault, occupational HIV/HEP/TB exposure or diagnosis and a line of duty death.

Critical illness: Provide coverage for major illnesses as well as injuries—big and small—with both plans.

Hospital indemnity: Serious accidents can lead to time in the hospital. Provide benefits for the injury, follow-up treatment and hospital stay with both plans.

Option to cover one or three accidents per year, up to $10,000 per accident.

Easy claims filing process.

Simple, easy-to-understand product.

Critical illness: Provide coverage for major illnesses as well as injuries—big and small—with both plans.

Hospital indemnity: Serious accidents can lead to time in the hospital. Provide benefits for the injury, follow-up treatment and hospital stay with both plans.

Pays daily benefits to the employee or their covered spouse for routine childbirth, up to a specified number of days per year, with no preexisting condition limitation for pregnancy.

No separate maximum for the number of times we’ll pay the higher initial day confinement benefit (admission benefit).

Automatic coverage for newborns or newly adoptive children for 31 days, even with routine, uncomplicated births.

Health care workers receive an increased benefit amount when they choose to visit a hospital or facility within their group’s system.

Optional, HSA-compatible coverage for inpatient mental health, substance abuse and nursing facilities.

Optional benefits for an observation unit, ambulance transport, surgical procedures and anesthesia.

Group disability: Serious illnesses often require hospitalization. Having both plans helps employees recover from their hospital bills and lost income.

Symetra Health: While hospital indemnity can pay for major medical events, including childbirth, Symetra Health can pay for over 13,000 moderate, severe and catastrophic diagnoses that may occur throughout the year.

Pays benefits solely based on diagnosis codes to the insured's Venmo, PayPal or bank account.

Multiple diagnoses within the same year are covered, with no maximum number of payouts for moderate and severe conditions.

Benefits for over 13,000 covered illnesses or injuries, including common conditions that may occur in active workforces, like concussions, dehydration and migraines.

Hospital indemnity: This combination provides broad coverage of injuries and illnesses, while also providing substantial benefits for the most common reason for hospitalization—childbirth.