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 units (ICUs)

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Substance abuse facilities

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Mental health facilities

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Nursing facilities1

Claim 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, since William is automatically covered for his first 31 days after birth.2


Anita's benefits paid

Williams's benefits paid

Initial day confinement (admission) benefit $1,000 (first day only) $1,000 (first day only)
Per-day hospital stay, days 2+ $200 per day $200 per day
3-day total $1,400 $1,400

Anita can use the $2,800 benefit to cover anything she’d like, 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. Refer to your enrollment materials for your plan’s benefit amounts and costs of coverage.

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.
  • 24/7 access to your benefits information with our user-friendly online platform, MyGO.

Next steps

To learn more about hospital indemnity insurance provided by Symetra, contact your 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.

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

2 You must enroll your child as a dependent on your 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, you must notify Symetra of the birth or adoption and pay the required premium within the 60 days.