Hospital Indemnity

Symetra Life Insurance Company Hospital Indemnity Insurance Build 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. It’s o昀昀ered through your work and can reduce the burden of a hospital stay by helping cover the cost. How it works Why hospital indemnity insurance? Hospital indemnity insurance pays a fixed dollar If you end up in the hospital, you probably want amount per day for services and supplies you receive to focus more on your recovery, not your medical during a hospital stay, up to a maximum number of bills. Hospital indemnity insurance can help with the days each year. cost of your stay, giving you and your family some There are no preexisting condition limitations, no financial peace of mind. health questions to answer and no medical tests to 1,2 take. You’re paid the full per-day benefit no matter what other insurance you have. Continued > SBM-6504 4/23

What’s covered Hospital indemnity insurance pays a fixed dollar amount for each day of a hospital stay lasting 24 hours or more. Benefits are paid until you reach the maximum number of days stated in your policy. A daily benefit amount is also paid for an ICU stay, which has its own maximum number of days. Your plan also has an initial day confinement benefit (admission benefit), which pays a higher benefit amount for your first day of a hospitalization and is compatible with a health savings account (HSA).3 Hospital Intensive care unit (ICU) Newborn benefit If you have a baby while you’re covered under the hospital indemnity plan, not only is your hospital stay covered, but your newborn is automatically covered under this plan from birth through the first 31 days of life.4 Injuries and illnesses that result in hospital stays can lead to expensive, unexpected costs Financial planning for health care is important, especially considering these facts: % % $14K 38 50 In 2022, 38% of adults reported that It’s estimated that nearly 50% of an According to a 2022 report, the average they or a family member delayed average person’s health care expenses cost of a hospital stay is over $14,000 5 6 7 medical treatment because of the cost. are from hospital services. without health insurance coverage. 2 Hospital Indemnity Insurance

Claim examples Meet Herman During flu season Herman falls seriously ill with pneumonia and spends five days in the ICU. Fortunately, Herman has Symetra Hospital Indemnity Insurance, which he purchased through work. It pays an initial day confinement benefit (admission benefit), followed by a per-day benefit starting on day two. Herman’s hospital stay Low plan High plan Initial day confinement (admission) benefit $500 (first day only) $1,000 (first day only) Per-day ICU stay, days 2+ $200 per day $200 per day 5-day total $1,300 $1,800 Herman can use his benefit to cover anything he’d like, such as out-of-pocket medical expenses, child care and transportation. 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.4 Anita’s hospital stay William’s hospital stay Low plan High plan Low plan High plan Initial day confinement $500 $1,000 Initial day confinement $5�0 $1,000 (admission) benefit (first day only) (first day only) (admission) benefit (first day only) (first day only) Per-day hospital stay, $100 $100 Per-day hospital stay, $100 $100 days 2+ per day per day days 2+ per day per day 3-day total $700 $1,200 3-day total $700 $1,200 Anita can use her benefit to cover anything she’d like, such as out-of-pocket medical expenses, child care and transportation. 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. Continued > 2Hospital Indemnity Insurance Hospital Indemnity Insurance 3

Why enroll? Hospital indemnity insurance can provide an extra layer Signing up for Symetra Hospital Indemnity Insurance of financial support if you become hospitalized for any also means: reason. There are no copays, deductibles or network • A simple enrollment process without requirements, and benefits can be used for anything, any required medical questions or exams.2 including non-medical costs. • An easy and flexible claims process. • Responsive and empathetic customer service representatives at a U.S.-based call center. Don’t miss your opportunity to enroll in this valuable coverage. To get started, review your enrollment materials or talk to your benefits representative. Fixed-Payment Indemnity policies (also known as “Hospital Indemnity 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 are designed to provide bene昀椀ts at a preselected, 昀椀xed 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. Base certi昀椀cate form number is SBC-01505 6/20. Coverage may be subject to exclusions, limitations, reductions and termination of bene昀椀t provisions. For costs and complete details of the coverage, contact your bene昀椀ts representative. 1 A pregnancy limitation period may apply. 2 Late entrants may be required to complete a medical questionnaire. 3 This plan is designed to be compatible with health savings accounts (HSAs). Please consult with a tax professional and/or your bene昀椀ts representative to determine which supplemental bene昀椀ts may be used with an HSA. 4 Symetra Life Insurance Company You must enroll your child as a dependent on your plan within 30 days of birth in order for coverage to continue beyond the 777 108th Avenue NE, Suite 1200 昀椀rst 31 days. 5 Bellevue, WA 98004-5135 “Record High in U.S. Put Off Medical Care Due to Cost in 2022,” Gallup, published January 17, 2023, www.symetra.com https://news.gallup.com/poll/468053/record-high-put-off-medical-care-due-cost-2022.aspx. 6 Symetra® is a registered service mark of “2022 Milliman Medical Index,” Milliman Research Report, May 2022. 7 Symetra Life Insurance Company. “U.S. population with a hospitalization 1997–2019, by age,” Statista Research Department, September 13, 2022.