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Because a critical illness and the accompanying bills often arrive without warning. Aflac critical Illness insurance pays a lump sum benefit or a single, large-payout benefit amount, upon a covered diagnosis.
We help with expenses health insurance doesn’t cover – and we help put cash benefits in your pocket fast.
We pay you, not your doctor or hospital. And you can use the money any way you see fit, whether it’s to help with leftover medical costs or for other expenses you may have that can affect your financial security.
A lump sum payout up to $25,000 upon the diagnosis of a covered illness.
A lump sum payout up to $12,500 upon the recurrence of a previous covered illness or the diagnosis of a new covered illness.
This can add up to $500 per year to the initial diagnosis of a covered illness, for up to 10 years.
A lump sum payout up to $6,250 for undergoing coronary artery bypass graft surgery.
Limb discomfort. Cold sweats. Nausea. Chest pain. When the symptoms hit, you know it’s time to visit the hospital.
You take an ambulance to the emergency room and the diagnosis is in: you’ve had a heart attack.
With an Aflac Lump Sum Critical Illness3 policy your benefits are paid to you directly (unless otherwise assigned).
You use cash benefits to help with medical bills, continuing care, or everyday expenses. With Aflac's help, you can worry less.
Aflac offers both Cancer and Critical Illness policies. Each plan offers different benefits, and it's not uncommon for policyholders to consider more than one plan. Combined, you can explore a more supportive and holistic approach to coverage. It makes sense to explore all your options.
Cancer Insurance is for those who experience a positive diagnosis of cancer. It offers cash benefits not only for covered cancer treatments received but can also help with everyday costs. Cancer insurance can help cover a wide variety of cancer treatments – both preventative and urgent. Cancer treatment costs with insurance can be much more manageable with a good policy in place.
Lump-Sum Critical Illness Insurance is for those who experience a life-changing event, like a heart attack or stroke. It offers lump-sum cash benefits that can be used however you decide - from helping with everyday bills to surgery. These plans may help provide coverage for diseases that aren't covered by our cancer/specified disease insurance policies.
If you become seriously ill, your focus should be on your health – not on the health of your bank account. Critical Illness Insurance helps you concentrate on what’s important: getting well.
There are several options available that make this plan customizable for all kinds of policy needs. The cost is impacted by the coverage choices, age, location, and nicotine usage. Design a policy to fit your needs.
1 National Center for Chronic Disease Prevention and Health Promotion, Division for Heart Disease and Stroke Prevention. Stroke Facts. Last Reviewed: May 4, 2023. Accessed July 1, 2023.
https://www.cdc.gov/stroke/facts.htm.
2 CRITICAL ILLNESS INSURANCE – T71000 SERIES
In Arkansas, Policy T71100ARR. In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Oregon, Policy T71000OR. In Pennsylvania, Policies T71100PA - T71400PA. In Texas, Policy T71000TXR. In Virginia, Policy T71100VA. Not available in Idaho, New Jersey or New York.
This is a brief product overview only. Benefits/premium rates may vary based on plan selected. Optional riders may be available for an additional premium cost. The policies may contain a waiting period. The policy/rider has limitations and exclusions that may affect benefits payable. Refer to outline of coverage and/or policy for complete benefit details, definitions, limitations, and exclusions.
These policies are a supplement to health insurance and are not substitutes for major medical coverage. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
Limitations & Exclusions for Arizona:
[Tier One will not pay benefits for any Loss that is caused by a Pre-existing Condition, unless it begins more than 12 months after the Effective Date of coverage.] Benefits are payable for only one covered Loss at a time per Covered Person.
[Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered) or complications of cancer.]
[If a Covered Person has Internal Cancer diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits are not payable for that Internal Cancer, or any recurrence, extension, or metastatic spread of that same Internal Cancer. At your option, you may elect to void the coverage and receive a full refund of premium.]
[For the Subsequent Critical Illness Event Benefit to be payable for a recurrence, direct extension, or metastatic spread of any Internal Cancer, the Covered Person must be free from Treatment for that Internal Cancer for a consecutive 12-month period before the Onset Date of the recurrence, direct extension, or metastatic spread.]
Tier One will not pay benefits for any Loss that is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico.
Tier One will not pay benefits whenever coverage provided by this 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.
For any benefit to be payable, the Onset Date of the Loss must occur on or after the Effective Date of coverage and while coverage is in force. If more than one Loss occurs on the same day, only the highest eligible benefit will be paid.
Tier One and will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under this policy; or (2) fraud is committed or attempted in connection with any matter relating to this policy.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]
Tier One will not pay benefits for Loss due to (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure.
This policy does not cover Loss caused by or resulting from:
Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a Physician and taken according to the Physician's instructions), or voluntarily taking any type of poison or inhaling any type of gas or fumes;
Participating in, or attempting to participate in, an illegal activity that is defined as a felony, ("felony" is as defined by the law of the jurisdiction in which the activity takes place), or being detained in any detention facility or penal institution;
Being intoxicated or under the influence of alcohol, drugs, or any narcotic, unless administered on the advice of a Physician and taken according to the Physician's instructions (the term “intoxicated” refers to that condition as defined by the law of the jurisdiction in which the cause of the Loss occurred);
Participating in any hazardous activities to include aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing); scuba diving; cave exploration; bungee jumping; mountain or rock climbing; or participating in a race, speed, or endurance contest, including practice activities, while operating or as a passenger of an air, land, or water vehicle;
Intentionally self-inflicting a bodily injury or committing or attempting suicide, while sane or insane;
Being exposed to war or any act of war, declared or undeclared;
Actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve;
Having cosmetic surgery or other elective procedures that are not Medically Necessary; or
Having dental treatment except as a result of Injury.
Limitations & Exclusions for Virginia:
Tier One will not pay benefits for any Loss that is caused by a Pre-existing Condition, unless it begins more than 12 months after the Effective Date of coverage. Benefits are payable for only one covered Loss at a time per Covered Person.
Tier One will not pay benefits for any Loss that is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico.
This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.
For any benefit to be payable, the Onset Date of the Loss must occur on or after the Effective Date of coverage and while coverage is in force. If more than one Loss occurs on the same day, only the highest eligible benefit will be paid.
Tier One will not pay benefits whenever fraud is committed in making a claim under this coverage, subject to the Time Limit on Certain Defenses provision.
Tier One will not pay benefits without a completed investigation into the validity of your claim. We may interview any Covered Person, while not in the presence of any other Covered Person about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an interview, a Covered Person’s answers must be signed.
This policy does not cover Loss caused by or resulting from:
Participating in, or attempting to participate in, an illegal activity that is defined as a felony("felony" is as defined by the law of the jurisdiction in which the activity takes place);
Intentionally self-inflicting a bodily injury or committing or attempting suicide, while sane or insane;
Being exposed to war or any act of war, declared or undeclared;
Actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve (Tier One will upon receipt of written notice of military service, refund all premiums as is applicable to such persons on a pro rata basis.);
Having cosmetic surgery or other elective procedures that are not Medically Necessary; (cosmetic surgery shall not include reconstructive surgery when such service is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly of a covered dependent child which has resulted in a functional defect); or
Having dental treatment except as a result of Injury.
3 At the time of application, you answer underwriting questions and select an Initial Diagnosis Benefit amount of $20,000. You have your policy for two years and the Building Benefit grows to $1,000.
4 Assumes the average cost of a gallon of conventional whole milk is $4.31**. Comparison is based on the average weekly premium for Critical Illness Insurance Series T71000 - Initial Diagnosis Benefit amount: $10,000 - Non Tobacco; Individual aged 40-50 in Nebraska. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: United States Dept. of Agriculture, April 2023. https://www.ams.usda.gov/sites/default/files/media/RetailMilkPrices.pdf.
Please note Tier One policy premiums can only be paid monthly.
Aflac’s family of insurers include Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company.
Coverage is underwritten by Tier One Insurance Company.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.