Hospital Indemnity Insurance

Symetra Life Insurance Company Hospital Indemnity Insurance Build your 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 childcare or transportation, could take a serious toll on your family’s financial health. That’s where hospital indemnity insurance comes in. It’s offered through your work and can reduce the burden of a hospital stay by helping cover the cost. How it works Hospital indemnity insurance pays a fixed dollar amount for each day of a stay in a covered facility, up to a maximum number of days each year. Stays in a mental health, substance abuse or nursing facility are also covered. 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 hospital indemnity insurance? If you end up in the hospital, you probably want to focus more on your recovery than your medical bills. Hospital indemnity insurance can help with the cost of your stay, giving you and your family some financial peace of mind. Continued > SBM-6500 8/26

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. Your plan also has an initial day confinement benefit (admission benefit), which pays a higher benefit amount for your first day of a covered hospitalization. In addition to hospitals, benefits are paid for stays in intensive care units (ICUs) and other eligible facilities. Each facility has its own per-day benefit and calendar-year maximum. Hospital Intensive care unit (ICU) Substance abuse facility Mental health facility Nursing facility* *Nursing facility benefits are paid only if following a covered hospital stay of at least three consecutive days. Newborn benefit Your plan pays daily benefits for a hospital stay if you or your covered spouse is hospitalized due to childbirth, even for a routine delivery. You’ll also receive daily benefits for the newborn or newly adopted child, even if you’re the only one enrolled on the plan. This automatic coverage for the newborn or adopted child continues for the first 31 days from birth or adoption. 1 Injuries and illnesses that result in hospital stays can lead to expensive, unexpected costs Financial planning for healthcare is important, especially considering these facts: 64% of adults report they’re either very or somewhat worried about being able to afford medical costs. 3 Part of out-of-pocket medical costs are from coinsurance, and on average, coinsurance for a hospital admission is 20% . 4 36% of adults report that in the past 12 months, they have skipped or postponed needed healthcare because of the cost. 3 DID YOU KNOW? Hospital indemnity benefits are compatible with a health savings account (HSA). 2 64 % 36 % 20 % 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 enrolled in at work. It pays an initial day confinement benefit (admission benefit), followed by a per-day benefit starting on day two. 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. 1 These examples are for illustrative purposes only and are meant to provide a general overview of how coverage works. Any resemblance to actual persons is purely coincidental. Please refer to your complete set of enrollment materials or contact your benefits representative for benefit amounts, costs and complete details of the coverage. Herman’s hospital stay Initial day confinement (admission) benefit Benefits paid $ 1,0 00 (first day only) Per-day ICU stay, days 2+ $ 2 00 per day 5-day total $ 1,8 00 Anita’s hospital stay Initial day confinement (admission) benefit Benefits paid $ 1,0 00 (first day only) Per-day hospital stay, days 2+ $ 1 00 per day 3-day total $ 1,2 00 William’s hospital stay Initial day confinement (admission) benefit Benefits paid $ 1,0 00 (first day only) Per-day hospital stay, days 2+ $ 1 00 per day 3-day total $ 1,2 00 Herman can use these benefits to cover anything he needs, such as out-of-pocket medical expenses, childcare and transportation. Anita can use these benefits to cover anything she needs, such as out-of-pocket medical expenses, childcare and transportation. Continued > Hospital Indemnity Insurance 3

Frequently asked questions Will I receive reduced benefits from Symetra if another insurance plan covers my medical costs? No. We’ll still pay your full benefit, even if another insurance plan has already picked up some or all of the bill. Is it easy to use my supplemental health benefits? Yes! Watch this brief video to learn how to make the most of your benefits. Why should I enroll during annual enrollment? If you don’t enroll in coverage during annual enrollment, you’ll have to wait until the following year’s annual enrollment, unless you have a qualifying life event like a marriage, divorce or birth of a child. If I enroll now, will I be automatically reenrolled in the plan next year? It depends on how your employer sets up annual enrollment. You may need to review all of your selections and reelect coverage, or you may be automatically reenrolled in your current selections. Be sure to review your enrollment instructions and connect with your benefits representative if you have questions. Once I’m enrolled, how will I file a claim? You’ll have access to a user-friendly online portal where you can submit claims in just a few minutes. And if you have other group coverage with Symetra, we’ll automatically check to see if you’re eligible for additional benefits. Don’t miss your opportunity to enroll in this valuable coverage. To get started, review your enrollment materials or talk to your benefits representative. Why Symetra? Symetra provides employee benefits, life insurance and annuities that have helped people live with financial security and confidence for more than 65 years. We’re committed to providing value to our customers, supporting our communities, providing a great place to work for our employees, and promoting diversity, equity and inclusion in everything we do. To learn more about our company, products and services, visit www.symetra.com . Fixed-Payment Indemnity policies (also known as “hospital Indemnity policies”), insured by Symetra Life Insurance Company (est. 1957), 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 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. Base certificate form number is SBC-01505 6/20. 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 The child(ren) will need to be enrolled afterward in order for coverage to continue. The number of days may vary by state. 2 This plan is designed to be compatible with health savings accounts (HSAs). Please consult with a tax professional and/or your benefits representative to determine which supplemental benefits may be used with an HSA. 3 “Americans’ Challenges with Health Care Costs,” KFF, April 30, 2026. 4 “Employer Health Benefits 2025 Annual Survey,” KFF, October 2025. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company.

Symetra Life Insurance Company Hospital Indemnity Insurance How to file a claim Your policy information Policy #: Policyholder: Option 1 Use My Group Online ( MyGO ) Initiate a claim in minutes on MyGO . This secure, user-friendly platform is available 24/7 through your computer or mobile device. To submit your claim: 1 Register your account at symetra.com/MyGO . Log in and select Submit my claim . 2 Fill out a few simple fields and upload documents. 3 Select Submit. With MyGO, you can also: Check the status of a claim. View an Explanation of Benefits (EOB) and enroll in paperless statements. Download important forms. Submit scans, photos or electronic versions of claim documents. Enter banking information to receive ACH benefit payments. Option 2 Email, mail or fax a claim 1 Request an itemized bill (form UB-04 or HCFA 1500) from your provider with diagnosis and procedure codes. 2 Write a statement describing the date, place and cause of the hospital stay. 3 Complete a claim submission form, which can be found on MyGO under Forms. We can also email, mail or fax this form to you. 4 Submit the above information to Symetra by email, mail or fax. Continued > SBM-6524 7/25

Frequently asked questions Do I need pre-authorization for an inpatient hospital stay? No. Pre-authorization is not required for an inpatient hospital stay. How much time do I have to file a claim? We encourage submitting claims promptly after the date of service to help avoid delays. When will Symetra make a decision on my claim? Symetra typically makes decisions on claims within 10 business days of receiving all necessary information. If your claim is approved, you can expect to receive payment within 7–10 business days. What if I have a claim that qualifies for benefits under more than one of my Symetra plans? If you have multiple coverages with Symetra, we’ll automatically cross-check to see if you’re eligible for more than one benefit and will submit the claim(s) on your behalf. Can Symetra help me gather any remaining information from my medical provider? Yes. Additional information such as doctor notes may be requested, and we’re happy to help you gather the remaining details after you initiate a claim. We’ll just need you to sign a release of information form so we can contact the provider on your behalf. Does the policy have to be in effect to receive benefits? Yes. The services received must occur while the policy is active. Contact us for additional questions about your coverage and filing a claim. Call 1-800-497-3699 Monday through Friday 8 a.m. to 8 p.m. ET sbclaims@symetra.com symetra.com/MyGO Fax: (715) 682-5919 Mailing address: P.O. Box 674419 Houston, TX 77267-4419 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 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. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company.

Symetra Life Insurance Company Hospital Indemnity Insurance Understanding your wellness benefit Identifying an illness before it requires emergency medical attention can help keep you out of the hospital. Fortunately, through your Symetra Hospital Indemnity Insurance policy, you can receive a financial benefit when you're proactive about health exams and assessments. After completing one of the following wellness screenings, just give us a call or send us an email and let us know: (1) the name of the insured, (2) the type of screening, and (3) the date the screening was completed. Eligible wellness screenings • Abdominal aortic aneurysm ultrasonography • Blood test for lipids, including total cholesterol, LDL, HDL and triglycerides • Bone density screening • Bone marrow testing • Breast MRI • Breast ultrasound • CA 15-3 (blood test for breast cancer) • CA 125 (blood test for ovarian cancer) • Carotid Doppler • CEA (blood test for colon cancer) • Chest X-ray • Child sports physical • Colonoscopy or virtual colonoscopy • COVID-19 (physician-administered) • CT angiography • Electrocardiogram • Fasting blood glucose test • Flexible sigmoidoscopy • Mammogram • Pap test • Prostate-specific antigen (PSA) test • Serum cholesterol test to determine level of HDL and LDL • Stress test on a bicycle or treadmill • Testicular ultrasound • Thermography • ThinPrep Pap test Your wellness benefit amount: Contact us Call 1-800-497-3699 Monday through Friday 8 a.m. to 8 p.m. ET sbclaims@symetra.com symetra.com/MyGO Fax: (715) 682-5919 Mailing address: P.O. Box 674419 Houston, TX 77267-4419 Continued > SBM-6389 10 /25

Frequently asked questions How do I let Symetra know I had a wellness screening? It’s easy. Give us a call or send us an email and let us know three things: the name of the insured, the type of screening, and the date the screening was completed. You can also submit a claim through MyGO . Once you’ve created an account and logged in, select Submit my claim and add any required information. You can also upload any relevant documentation from a desktop computer or mobile device. 1 Is there another way to file my wellness benefit claim? Yes. You can also send claims by mail or fax. Please use the contact information on the first page and we’ll be happy to assist. Who can receive a wellness benefit? Anyone covered under your plan is eligible for these benefits. Please review your certificate for more details. How often can I receive a wellness benefit? This benefit is payable once per insured per calendar year. What if I have a screening that qualifies for benefits under more than one of my Symetra plans? If you have multiple coverages with Symetra, we’ll automatically cross-check to see if you’re eligible for more than one benefit and will submit the claim(s) on your behalf. Please refer to your certificate for complete details. Fixed-payment (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 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. Base certificate form number is SBC-01505 6/20. 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 If your policy was issued in Pennsylvania, please upload the actual bill and the Explanation of Benefits (EOB) from your health insurance carrier. Symetra Life Insurance Company 777 108th Avenue NE, Suite 1200 Bellevue, WA 98004-5135 www.symetra.com Symetra® is a registered service mark of Symetra Life Insurance Company.