Symetra Health

A supplemental health insurance plan powered by Brella

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Symetra Brella logos


Note: Symetra Health is only available in certain states at this time. Please contact your Symetra representative if you have questions regarding product availability.


Symetra Health covers over 13,000 injuries and illnesses in one plan to help ease the burden of out-of-pocket medical costs. Paired with simple, user-friendly technology, this supplemental health insurance plan empowers employees to get the most out of their benefits.

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Top talking points

  • Benefits are based solely on diagnosis codes.
  • Moderate, severe, and catastrophic conditions are covered.
  • Simple, convenient claim submissions and benefit payments via a mobile app.
  • Benefits typically paid within 72 hours.

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Plan features

  • No preexisting condition limitations or exclusions.
  • Guaranteed-issue coverage with no medical underwriting.
  • No coordination with other insurance.
  • 24-hour coverage.
  • HSA-compatible.
  • Streamlined implementation.
  • Dedicated customer support for employers and employees.

Plan design options

Employers can offer one, two or all three plan designs.

  Moderate Severe Catastrophic
Base $200 $500 $1,000
Classic $300 $1,000 $2,000
Premier $500 $1,500 $3,000

The broker or employer can customize the Base, Classic and Premier configurations.

Examples of covered conditions

Moderate Severe Catastrophic
Anaphylactic reactions Acute respiratory failure Abdominal aortic aneurysm
Basal cell carcinoma Appendicitis ALS (Lou Gehrig's disease)
Bell's palsy Benign neoplasm Alzheimer's disease
Benign breast tumor Chronic adenoiditis/tonsillitis Cardiac arrest
Concussion Deep-vein thrombosis Heart attack
Dehydration Detached retina HIV
Foreign body in eye/ear/nose Diverticulitis Leukemia
Hepatitis C Gallstones Malignant neoplasm
Kidney stone Inguinal hernia Multiple sclerosis
Knee sprain Preterm newborn (32-33 weeks) Perforation of intestine
Laceration Pulmonary embolism Parkinson's disease
Pneumonia Torn rotator cuff Preterm newborn (<31 weeks)
Preterm newborn (34-35 weeks) Torn ACL Sepsis
Simple fracture Unstable angina Spina bifida

This chart is for illustrative purposes only. Symetra Health covers over 13,000 ICD-10 codes across all three categories of severity.

Who is Brella?

Founded in 2019, Brella Insurance Inc. (“Brella”) is an insurance technology company on a mission to build a world where health hardships don’t create financial hardships. Their new type of supplemental health insurance plan pays cash benefits upon diagnosis of one of 13,000+ covered conditions. Brella is made available in partnership with established insurance carriers that insure tens of millions of Americans and their families. For more information, visit and follow them on Linkedin.

To see if Symetra Health is available in your state,
contact your Symetra representative

Symetra Health is insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Products, features, terms and conditions may vary by state. It is designed to provide benefits at a preselected, fixed dollar amount for covered diagnoses. This policy provides limited benefit coverage and is a supplement to health insurance. It is not a replacement for major medical or other comprehensive coverage, and does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Base policy form number is SBC-05540 03/22. Symetra Health is only available in certain states at this time. Please contact your Symetra representative if you have questions regarding product availability.

Symetra Health is powered by Brella. Brella is a third party administrator providing enrollment, claims and billing administration services. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. Brella is not affiliated with Symetra Life Insurance Company or any of its affiliates.© 2022 Brella Insurance Inc. Patent pending. All rights reserved.