Stop Loss

As a medical stop loss pioneer—we introduced our product to the marketplace in 1976—we've worked hard to build one of the best and largest medical stop loss organizations in the country. 


  • Availability: All states (for New York)
  • Minimum group size: 100 eligible employees
  • Advanced funding: Standard on all Specific policies
  • Lasers: No new lasers or increase on existing lasers upon renewal
  • Claims processing: Most claims are processed/paid within 5 days of receipt


When it comes to coverage that fits your needs, Symetra delivers flexibility and options most carriers can't match. We have a well-deserved reputation for writing clear, user-friendly policies designed to eliminate gaps between what the plan covers and what is eligible for reimbursement.

A stop loss policy from Symetra mirrors the plan document without internal limits or definitions that may conflict with the plan language. This approach ensures the plan works as intended.

We have a well-earned reputation for fast and fair claims practices and our Technical Referral Assistance program can help determine—in advance—how Symetra will reimburse a stop loss claim. You'll also benefit from a dedicated Claim Cost Containment Specialist who works with vendors and Centers of Excellence to negotiate the best possible price for any high-dollar treatment charges.

We know this business and can help protect yours.


Specific Stop Loss Coverage
Helps protect against catastrophic claims above the Specific deductible.

Aggregate Stop Loss Coverage
Helps protect a self-funded plan in the event that actual claims for a group exceed planned, budgeted claims.


Symetra Stop Loss, filed as the Group Excess Loss policy, is insured by Symetra Life Insurance Company located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004 and is available in all U.S. states; however, it is not available in any U.S. territory. Our New York subsidiary insures products for New York residents.