Symetra Health

A supplemental health insurance plan

> Overview

> How it works

> Examples of covered conditions


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Whether you need to see a doctor for a mild medical issue, visit urgent care or pay for chemotherapy, Symetra Health can help you navigate today’s rising medical costs. This supplemental health insurance plan covers over 13,000 conditions, and you can receive a direct benefit payment if you're diagnosed with any one of them.

Watch our brief video to learn how this innovative plan can help protect your finances if you experience an unexpected illness or injury.


How it works

Symetra Health benefits are based solely on the diagnosis codes a medical provider uses to document an injury or illness.

Each covered diagnosis falls into a category of Moderate, Severe, or Catastrophic, and each category pays a set benefit amount. Once enrolled in Symetra Health, coverage is automatically provided for all three levels.

For example, let's say a Symetra Health plan includes the following benefit amounts:

Moderate benefit amount = $300

Severe benefit amount = $1,000

Catastrophic benefit amount = $2,000

If you receive a diagnosis in the Moderate category, you'd receive a lump-sum benefit payment of $300. A Severe diagnosis would pay $1,000, and Catastrophic would pay $2,000.

These benefits are paid regardless of any other coverage you may have, and the payment can cover anything, including out-of-pocket costs like copays, deductibles or other expenses.

Note: This example is for illustrative purposes only. Please refer to your plan materials for complete details and actual benefit amounts.

Examples of covered conditions

Examples of covered conditions



Does Symetra Health replace major medical or other comprehensive health insurance?

What's covered?

Will I be covered 24 hours a day?

Do I have to go to an in-network doctor to receive benefits?

Next steps

To learn more about Symetra Health, contact your benefits representative.


Symetra Health is insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. It is designed to provide benefits at a preselected, fixed dollar amount for covered diagnoses. This policy provides limited benefit coverage and is a supplement to health insurance. It is not a replacement for major medical or other comprehensive coverage, and does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Base certificate form number is SBC-05545 03/22.

Administration of Symetra Health is managed by a third-party administrator that provides enrollment, claims and billing administration. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions.