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After frequent infections and a high fever, they decide to head to their physician to see what’s the matter.
The physician recommends a bone marrow biopsy to check for cancer.
The biopsy results are in, and unfortunately the physician shows them they have leukemia.
Aflac Cancer Insurance1 offers financial protection by providing robust benefits – directly to policyholders (unless otherwise assigned) to help cover the patient from initial diagnosis, through treatment and beyond.
plus access to helpful resources, support groups, and educational tools through our trusted partners.
Talk to an Aflac representative to learn more about how Aflac can help your employees have assurance if faced with the realities of cancer.
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
1 Cancer insurance is also known as Specified-Disease insurance in some states.
This is a brief product overview only. Coverage may not be available in all states including. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. Refer to the policy and rider forms for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Aflac Cancer plans:
B70000 series: In Arkansas, Policies B70100AR, B70200AR, B70300AR, B7010EPAR, B7020EPAR. In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. In Oregon, Policies B70100OR, B70200OR, B70300OR, B7010EPOR, B7020EPOR. In Pennsylvania, Policies B70100PA, B70200TX & B70300PA. In Texas, Policies B70100TX, B70200TX, B70300TX, B7010EPTX, B7020EPTX. A78000 series: In New York, Policies, NY78100–NY78400. A76000 series: In Pennsylvania, Policy A76100PA. A75000 series: In Virginia, policies A75100VA–A75300VA.
AFLAC CANCER PROTECTION ASSURANCE – B70000 SERIES
Limitations & Exclusions for the residents of Arizona:
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition, will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
In addition, for benefits to be payable for a recurrence, direct extension, or metastatic spread of any Cancer or Associated Cancerous Condition that was diagnosed prior to the Effective Date of coverage, the Covered Person must be free from Treatment for that Cancer or Associated Cancerous Condition for a consecutive 12-month period before the diagnosis date of the recurrence, direct extension, or metastatic spread.
The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; or (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under the policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Aflac will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under the policy; or (2) fraud is committed or attempted in connection with any matter relating to the policy.
Limitations & Exclusions for the residents of Idaho:
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity.
The policy contains a 30-day waiting period. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before his or her coverage has been in force 30 days, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during the policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of the policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based. Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
AFLAC CANCER CARE - A78000 POLICY SERIES
Limitations and Exclusions for residents of New Jersey:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered) or complications of any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for the diagnosis of Nonmelanoma Skin Cancer. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.
AFLAC PERSONAL CANCER INDEMNITY – A75000 SERIES
Limitations and Exclusions for resident of Virginia:
We pay only for treatment of Cancer, including direct extension, metastatic spread, or recurrence or any condition(s) or disease(s) directly caused or aggravated by the specified disease(s) or the treatment of the specified disease(s). Benefits are not provided for premalignant conditions; conditions with malignant potential; or any other disease, sickness, or incapacity.
The First-Occurrence Benefit is not payable for: (1) any internal Cancer diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such internal Cancer that is diagnosed prior to the Effective Date of the policy; (2) the diagnosis of skin Cancer or melanomas classified as Clark's Levels I and II, or a Breslow level less than or equal to 1.5 mm. Any covered person who has had a previous diagnosis of Cancer will NOT be eligible for a First-Occurrence Benefit under the policy for a recurrence, extension, or metastatic spread of that same Cancer.
Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999.
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
Z2400728
