Group supplemental health insurance
Critical illness insurance
Help protect your employees' financial health during life's most critical moments.
Symetra critical illness insurance can provide lump-sum benefits for covered events that occur during childhood and adolescence, early adulthood, when planning a family, mid-life and beyond.
Choose your level of coverage
Start with core coverage—which includes cancer, heart attack and stroke—or enhanced core coverage, then add additional benefits or utilize the flexibility of the policy to create a completely customized set of benefits for your group.
Core coverage
Covers conditions such as heart attacks, strokes, cancer and more.
Enhanced core coverage
Core coverage plus non-melanoma skin cancer, sudden cardiac arrest, mini stroke, and stem cell (bone marrow) transplants.
Benefits for every stage of life
With optional coverage modules, our critical illness insurance covers conditions that could affect employees at any stage of life.
Childhood and adolescence
Down syndrome, autism, severe asthma and more.
Early adulthood
Infectious disease, family planning, complications of pregnancy, infertility, severe mental illness and more.
Mid-life
Cancer, diabetes, rheumatoid arthritis and more.
Late adulthood
Heart attack, stroke, dementia and more.
More than your typical critical illness policy
See why our expanded coverages make our critical illness policy unique.
Key features
Ability to customize benefits to meet your group’s unique needs.
No waiting periods, preexisting condition limitations or age-based benefit amount restrictions standardly included.
Portability and/or continuation options that allow insureds to continue coverage if employment ends.
Broad definitions for medical conditions, with coverage for over a hundred potential diagnoses.
When paired with Symetra Stop Loss, self-insured groups can receive a $5,000 reduction in their Specific deductible when there's a qualifying critical illness claim.
Options to choose an unlimited number of recurrence benefits for the same condition.
Learn more about Symetra critical illness insurance
Critical illness product guide (PDF)
More Symetra group supplemental health insurance products:
Next steps
To learn more, contact your benefits broker or consultant.
Critical illness policies are insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Products, features, terms and conditions may vary by state and may not be available in all U.S. states or any U.S. territory. They are designed to 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. Base policy form number is SBC-04530 1/21.
Critical Illness Specific Step-Down Endorsement form number is ELC-24110 3/24 in most states.
Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions.
If you’re an employer in Arizona, please click this link to view the exclusions and limitations for critical illness.
WEB-1384 11/24