Accident Insurance
- Cash benefits paid directly to you after a covered accident*
- Helps cover medical costs and out-of-pocket expenses
- Can help bridge the gap your health insurance leaves behind
Accident Insurance
- Cash benefits paid directly to you after a covered accident*
- Helps cover medical costs and out-of-pocket expenses
- Can help bridge the gap your health insurance leaves behind
Why is Accident Insurance important?
Because accidents happen. Even with major medical insurance, you could face out-of-pocket costs like deductibles and co-pays, plus extra recovery expenses. Accident Insurance pays cash benefits when you need it most, to help with medical bills and unexpected costs while you focus on getting better.
Only 47% of Americans have enough savings to cover a $1,000 emergency expense.1
$3,000 is the average bill for an emergency room visit.2
$3,400 is the minimum family deductible for non-preventive care.3
How does Aflac Accident Insurance work?
The incident
The incident
An accident occurs that requires medical attention. This could include situations ranging from a major car accident to common household mishaps, such as falling off a ladder while cleaning gutters or a child breaking an arm at soccer practice.
Seeking care
Seeking care
You go to the ER, an urgent care center, or your primary doctor. You use your major medical insurance to handle immediate billing with the provider. You may still experience a "gap" in what you owe out-of-pocket. This is where Aflac can help.
Filing the claim
Filing the claim
Once you have your discharge papers or a "Proof of Treatment" form, then you can file your Aflac claim online. You don't have to wait for the final hospital bill to do this and claims will not increase your premium.
The cash payment
The cash payment
Once your claim is processed, Aflac sends a check directly to you* regardless of what your other insurance covers. You can use the cash for medical and non-medical expenses, giving you financial flexibility while you heal.
What does an Accident Insurance policy help cover?
Immediate care
- Emergency care
- Medical tests and exams
- Emergency dental care
- Ambulance ride, and more
Hospital stay
- First admission to hospital
- Daily hospital room cost
- Hospital accommodation
- Admission to ICU, and more
Injury treatments
- Surgical procedures
- Epidurals and anesthesia
- Fractures, breaks, dislocations
- Burns, cuts, and more
Follow-up care
- Rehabilitation
- Follow-up treatments
- Physical & occupational therapy
- Crutches, leg brace, and more
Ready for your personalized quote?
Want to make Aflac Insurance available to your employees?
Aflac Accident Insurance can complement your health benefits program by supporting your most important asset—your people.
You've got questions. We've got answers.
Accident Insurance can help with out-of-pocket expenses associated with a covered injury, including costs related to hospital stays, emergency treatment, and transportation, helping to bridge gaps that may be left behind. It often includes benefits for specific covered injuries like burns or broken bones and may include an accidental death benefit, depending on the plan.
Don't wait, apply for coverage today.
Don't wait, apply for coverage today.