Select Benefits voluntary
Hospital indemnity
Injuries, illnesses and childbirth can land employees in the hospital for a night or two. Even with a major medical plan, they can face out-of-pocket costs from copay, coinsurance or deductible requirements.
First Symetra’s hospital indemnity insurance can help close some of these coverage gaps so employees can focus more on recovery and getting back to work as soon as possible.
A financial safety net for the unexpected
Hospital indemnity insurance provides coverage for inpatient hospital stays resulting from on- or off-the-job injuries and illnesses. It pays a preselected, fixed dollar amount each day for eligible services and supplies received in a hospital or authorized facility.
Coverage can include stays in:
Hospitals
Intensive care units
Substance abuse facilities
Mental health facilities
Customize your coverage
Choose your plan's per-day benefit amounts, and whether or not to include these optional coverages:
- Admission day benefit
- Hospital observation benefit
- Emergency room benefit
- Wellness/preventive care benefit
- Surgical procedure benefits
- Ground and air ambulance transportation
- Outpatient care benefits
Key features
Automatic newborn and adoptive child coverage for first 30 days.
Portability and continuation options.
No preexisting condition limitations, including pregnancy.
Next Steps
First Symetra offers a number of solutions to help you stay competitive in today's marketplace. To learn more, contact your benefits representative.
Fixed-Payment Indemnity policies (also known as “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.
Select Benefits policies are insured by First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124-1690.