Group supplemental health insurance

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.

Symetra 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:

hospital bed icon

Intensive care units (ICUs)

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Substance abuse facilities

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Mental health facilities

Dr. Person Baby icon

Nursing facilities1

Newborn benefit

If a covered employee gives birth while under the plan, they and the child will both receive a benefit for the initial hospital admission and the following days of their hospital stay. Covered employees’ children are automatically covered for the first 31 days following their birth or adoption.2

Claims example

Anita and William headshot

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 Symetra hospital indemnity insurance plan.

Anita and William table


Anita can use the $2,800 benefit to cover anything she needs, such as out-of-pocket medical expenses, child care and transportation.

Note: These examples are for illustrative purposes only and are meant to provide a general overview of how hospital indemnity insurance works. Any resemblance to actual persons is purely coincidental.

Customize your coverage

Key Features

Customized benefits to meet your group’s unique needs.

Portability and extension of coverage options.

No preexisting condition limitations, including pregnancy.

Learn more about Symetra hospital indemnity insurance

Hospital indemnity product guide (PDF)

More Symetra group supplemental health insurance products:

Accident insurance

Critical illness insurance


Group supplemental health insurance overview

Next steps

Symetra offers a number of solutions to help you stay competitive in today's marketplace. To learn more, contact your benefits representative.


Group benefits are designed to provide benefits at a preselected, fixed dollar amount. They are not a replacement for a major medical policy or other comprehensive coverage and do not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. For costs and complete details, contact your Symetra representative. 

Group benefits are insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S states or any U.S. territory.

If you’re an employer in Arizona, please click this link to view the exclusions and limitations for hospital indemnity insurance.

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

2 Insureds must enroll a child as a dependent on their plan within 30 days of birth in order for coverage to continue beyond the first 31 days. In Washington, newborn and newly adopted child coverage is automatic for the first 60 days. For coverage to continue, the insured must notify Symetra of the birth or adoption and pay the required premium within the 60 days.