Hospital indemnity insurance

A financial safety net for the unexpected

An injury or illness can land you in the hospital for a night or two—or even longer. If that happens, unexpected costs from deductibles, copays or coinsurance, as well as non-medical expenses like child care or transportation, could take a serious toll on your family’s financial health.

That’s where hospital indemnity insurance comes in.


How it works

Hospital indemnity insurance pays a fixed dollar amount per day you are confined to a hospital—or a mental health, substance abuse or nursing facility—up to a maximum number of days each year.

You’re paid the full per-day benefit no matter what other insurance you have.


Why have it?

If you end up in a hospital, your focus should be on your recovery, not your medical bills. Hospital indemnity insurance can help with the cost of your stay to give you and your family some financial peace of mind.

What’s covered

Hospital indemnity insurance pays a fixed dollar amount for each day of a hospital stay lasting 24 hours or more until you reach the maximum number of days stated in your policy. Each facility has its own per-day benefit and calendar year maximum. Facilities and treatments may include:

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Intensive care units (ICU)

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Substance abuse facilities

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Mental health facilities

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Nursing facilities1

Claim example

Anita and William headshot.png

Meet Anita and William

Anita gives birth to William and they both spend three days in the hospital. Fortunately, both Anita and William receive a benefit from their First Symetra hospital indemnity insurance plan because William is automatically covered for his first 31 days after birth.2


Anita's benefits paid

Williams's benefits paid

Initial day confinement (admission) benefit $240 (first day only) $240 (first day only)
Per-day hospital stay, days 2+ $120 per day $120 per day
3-day total $480 $480

Anita can use the $960 benefit to cover anything she’d like, such as out-of-pocket medical expenses, child care and transportation.

Note: This example is for illustrative purposes only and is meant to provide a general overview of how hospital indemnity insurance works. Any resemblance to actual persons is purely coincidental. Refer to your enrollment materials for your plan’s benefit amounts.

Why enroll in hospital indemnity insurance at work?

Hospital indemnity insurance can provide an extra layer of financial cushion if you become hospitalized for any reason. In addition to competitive rates, enrolling at work means:

  • Automatic newborn and adoptive child coverage for the first 31 days.2
  • Benefits are paid no matter what other coverage you have.
  • You can visit any hospital or covered facility, in network or not.
  • 24/7 access to your benefits information with our user-friendly online administration tool, MyGO.

Next Steps

To learn more about hospital indemnity insurance provided by First Symetra, contact your company’s benefits representative.


Hospital indemnity policies are insured by First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124. They 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/NY 6/20. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details of the coverage, contact your benefits representative.

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

2 You must enroll your child as a dependent on your plan within 30 days of birth in order for coverage to continue beyond the first 31 days.