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 for services and supplies you receive during a hospital stay—or a mental health, substance abuse or nursing facility—up to a maximum number of days each year.

There are no preexisting condition limitations, no health questions to answer and no medical tests to take. 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 unit (ICU)

Heart attacks, strokes, serious injuries, respiratory failure and other serious conditions.

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Substance abuse facility

Detoxification and residential addiction treatment.

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Mental health facility

Anxiety, depression, eating disorders and schizophrenia.

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Nursing facility

Physical therapy, occupational therapy, speech therapy and medication.

Note: The examples given above are for illustrative purposes only and do not constitute an exhaustive list of possible conditions and treatments; please refer to your benefits summary to confirm which facilities and treatments are included with your policy.

Claims example


Meet Herman

During flu season, Herman falls seriously ill with pneumonia and spends five days in the hospital. Fortunately, the hospital indemnity insurance he purchased through work pays $300 for each day of his stay, for a total benefit of $1,500. His coverage removes some of the financial burden of his hospital stay, so he can focus on getting well.


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:

  • No preexisting condition limitations.
  • No health questions to answer or tests to take.
  • No copays, coinsurance or deductibles to meet.
  • Benefits are paid no matter what other coverage you have.
  • You can visit any hospital or covered facility, in network or not.
  • Benefits can be used for anything, including non-medical costs.
  • 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 Symetra, contact your company’s benefits representative.


Fixed-payment policies, insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, are not available in all U.S. states or any U.S. territory. They 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. 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.