Accident Insurance

With accident insurance, you can have help covering the out-of-pocket costs you may face after an accident. Some of these expenses may include hospital stays, medical exams, emergency treatments, transportation, and lodging. It can help fill the gap in coverage between your health insurance and other policies you might have.

Many accident insurance policies help cover certain injuries, like burns, lacerations, broken limbs, and paralysis. In the event an accident takes your life, accident insurance can pay out money to your designated beneficiary, which may be your partner or a child.

Accident and health insurance are different. While major health insurance is necessary, our accident policy is optional. Our supplemental accident insurance only pays benefits when a covered accident or injury occurs.

What about accidents while traveling? Our plans can help cover transportation costs, hospital fees, and other medical expenses incurred during travel accidents. However, it will not pay benefits for bacterial, viral, microorganism infections, or any condition resulting from insect bites or stings. For an in-depth understanding of what isn't covered, explore the limitations and exclusions in your policy.

For health events, you could be better protected with one of our critical illness insurance policies, it helps provide coverage for life-changing events, like a heart attack or stroke, and typically pays the benefits in a lump sum payment.

Our short-term disability insurance can help provide income protection while you are unable to work due to a covered sickness, injury or mental health condition so you can focus on your recovery. Ask your employer about Aflac Short-Term Disability insurance. This product is only available through worksite payroll deduction.

Accidents happen, big or small, and always at the wrong time. No warning, no time beforehand to reallocate funds, but a surprise injury can have a hefty price tag.

So, if you're pondering, “do I need accident insurance?” we encourage you to look at the premiums on your current health insurance plan. According to the Kaiser Family Foundation 2023 Employer Health Benefit Survey, average single and family premiums increased 7% in the past year. This has resulted in a 22% premium increase for the average family coverage in the last 5 years.¹

Having an added layer of supplemental accident insurance can help fill the gaps that your primary insurance may be missing.

Accident insurance costs are generally low, especially when you factor in the long-term savings. You can opt into an accident policy that provides weekly coverage for less than the cost of a box of bandages!² You can spend the same amount per week on an accident policy as you do household first aid.

Aflac's accident insurance can help cover a wide span of events, from emergency situations to more common accidents. On one side of the spectrum, we provide benefits for burns, comas, paralysis, concussions, dislocations, and lacerations. While crisis injuries can occur, there are a laundry list of common injuries that need attention too. Aflac accident insurance can also help cover fractures, broken teeth, eye injuries, and pain management, like epidurals.

There are many additional costs on top of treating an injury that may not be covered under your primary medical coverage. Aflac can help pay for ambulance trips, physical therapy, CT scans, MRIs, confinement, blood transfusions, and medical appliances.

Are you debating whether you should get accident insurance? Check to see if your employer offers adequate accident coverage. If you can't get insurance through work, opting into personal accident insurance could be the extra layer of security you need.

There are certain people that could particularly benefit from an accident policy.

If you have children involved in sports, our Organized Sporting Activity Benefit could be the extra protection you're looking for. It pays benefits for many common sports injuries, like sprains, tears, fractures, and breaks.

We have accident insurance plans to help meet the needs of you and anyone in your family. Our Family Support Benefit can help protect you and your loved ones.

Accident insurance is designed to help you pay for the out-of-pocket costs that often come after an covered accidental injury. Several examples include hospital stays, medical exams, and emergency treatments. If you don't have the funds to cover these types of expenses upfront, the help from accident insurance can make a real difference.

There are many reasons why it may be wise to invest in accident insurance. These types of policies can help cover a wide span of accidental injuries that could prevent you from being able to work. In addition, an accident insurance policy can make sense if you lead an active lifestyle that involves activities like skiing or rock climbing, have children, or don't have or want to use emergency savings to pay for accidents.

One of the greatest perks of accident insurance is that there is no waiting period like with other types of insurance policies. This means that you don't have to wait a certain amount of time before your coverage goes into effect, so you can file claims immediately after a covered accident occurs.

Many insurance companies that offer accident insurance will allow you to file a claim online, over the phone, or via their mobile app. To do so, you’ll need to provide detailed information and documentation related to the accident, such as the date, time, and location of the incident and pictures of the injuries.