Critical illness insurance

Financial relief at a critical time

Medical advancements have greatly improved our ability to manage critical health events. But the unexpected cost of those events—while keeping up with everyday expenses—can put a strain on your finances.

While most major medical plans help with care and treatment expenses, other costs can add financial pressure to an already stressful situation.

Symetra’s critical illness insurance can help.

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How it works

If you’re diagnosed with a covered condition after the policy is in effect, you’ll receive a lump-sum benefit payment based on the terms of your policy and the diagnosis.

Benefits are paid directly to you and are not reduced based on any other insurance coverage you have.

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Why critical illness insurance?

Critical illness insurance can provide some financial relief during a serious medical condition or life event.

The benefit payment can be used for anything—whether it’s transportation, child care or other expenses—so you can focus more on your recovery and less on your finances.

Coverage for every stage of life

Our criticial illness policy provides coverage for a wide array of conditions that could affect you at any stage of life. Your plan's covered conditions are determined by your employer, so see your enrollment materials or contact your human resources department for your plan’s specific coverages.

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Childhood and adolescence

Down syndrome, autism, severe asthma and more.

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Early adulthood

Infectious disease, family planning, complications of pregnancy, infertility, severe mental illness and more.

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Mid-life

Cancer, diabetes, rheumatoid arthritis and more.

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Late adulthood

Heart attack, stroke, coronary artery disease needing surgery or angioplasty and more.

See your enrollment materials or contact your benefits representative for your plan’s specific coverages.

Claim examples

In addition to their health insurance, Kristen and Robert are both enrolled in Symetra’s critical illness insurance. Their policy includes coverage for cancer diagnoses and heart attacks with a $10,000 benefit amount.

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Meet Kristen

Kristen went in for treatment after doctors discovered she had breast cancer. They used a combination of surgery and radiation therapy treatment. Kristen used her critical illness benefit to help pay for her deductible and coinsurance, as well as other expenses while she was recovering.

Cancer

Benefit paid:
100% of benefit amount = $10,000

How Kristen used her benefit dollars:
Related medical costs; $4,500
Child care: $300
Transportation: $200
Remaining benefit amount put in savings: $5,000

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Meet Robert

After Robert suffered a heart attack, he had more than just his medical condition on his mind. With two days spent in the hospital and another three months recovering at home, he welcomed the financial support the critical illness benefit provided to help with a variety of related health costs.

Heart attack

Benefit paid:
100% of benefit amount = $10,000

How Robert used his benefit dollars:
Related medical costs: $5,500
Remaing benefit amount put in savings: $4,500

Note: These examples are for illustrative purposes only and are meant to provide a general overview of how benefits work. Any resemblance to actual persons is purely coincidental. Refer to your additional enrollment materials for your plan’s specific benefit amounts.

Why enroll in critical illness insurance at work?

Critical medical events usually lead to unknown and unexpected costs. And some of these—such as transportation, child care and mortgage payments—aren’t covered by health insurance. Critical illness insurance can help pay for these additional costs while you focus on your recovery.

Signing up for Symetra’s critical illness insurance also means you can enjoy:

  • A simple enrollment process with no required medical questions or exams.1
  • An easy and flexible claims process.
  • Responsive and empathetic customer service representatives at a U.S.-based call center.
  • 24/7 access to your benefits information with our user-friendly online administration tool, MyGO.

Next Steps

To learn more about critical illness insurance provided by Symetra, contact your company's benefits representative.

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Critical illness 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 for covered conditions. 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.

1 Late entrants and those who elect coverage over the guaranteed issue amount outlined in the plan design may be required to complete a medical questionnaire.