The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
In Arkansas, Policies A35100AR-A35200AR, & A35B24AR. In Idaho, Policies A35100ID-A35200ID, & A35B24ID. In New York, Policies NY35100-NY35400, NY35B24, & NYB35OF. In Oklahoma, Policies A35100OK-A35200OK, & A35B24OK. In Oregon, Policies A35100OR-A35400OR, A35B24OR, & A35BOFOR. In Pennsylvania, Policies A35100PA-A35200PA, & A35B24PA. In Texas, Policies A35100TX-A35200TX, & A35B24TX. In Virginia, Policies A35100VA-A35400VA, A35B24VA, & A35BOFVA. This is a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Limitations and Exclusions for residents of Arizona:
- Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
- Aflac will not pay benefits for treatment or loss due to Sickness including (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 for any Sickness.
- 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 an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
- Participating in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a Physician and taken according to the Physician's instructions) or while intoxicated (“intoxicated” means that condition as defined by the law of the jurisdiction in which the accident occurred);
- 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 kind of poison or inhaling any kind 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 incarcerated in any type penal institution;
- Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
- Having cosmetic surgery or other elective procedures that are not Medically Necessary;
- Having dental treatment except as a result of Injury;
- Being exposed to war or any act of war, declared or undeclared; or
- Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve.
Limitations and Exclusions for residents of Idaho:
- Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
- Aflac will not pay benefits for an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
- Alcoholism or drug addiction;
- Participating in a felony, whether charged or not (“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;
- Having cosmetic surgery that is not Medically Necessary (except that “cosmetic surgery” shall not include reconstructive surgery when the service is incidental to or follows surgery resulting from trauma and reconstructive surgery because of Congenital Anomaly or disease of the covered Dependent Child);
- Having dental treatment except as a result of Injury;
- Being exposed to war or any act of war, declared or undeclared; or
- Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve.
Limitations and Exclusions for residents of New Jersey:
- Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
- Aflac will not pay benefits for treatment or loss due to Sickness including (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 for any Sickness.
- Aflac will not pay benefits for an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
- Participating in any activity or event, including the operation of a vehicle, while intoxicated or under the influence of 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 Injury or cause of loss occurred);
- 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 kind of poison or inhaling any kind of gas or fumes;
- Attempting to commit or committing a felony or being engaged in an illegal occupation;
- Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
- Having cosmetic surgery, except reconstructive surgery when such service is incidental to or follows surgery resulting from trauma;
- Having dental care or treatment except as a result of Injury;
- Being involved in war or any act of war, declared or undeclared; or
- Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve. (We will return the premium paid during such service, and upon termination of military service, you have the right to renew coverage.)
Limitations and Exclusions for residents of Virginia:
- Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
- Aflac will not pay benefits for treatment or loss due to Sickness including (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 for any Sickness.
- 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 an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
- Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (“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;
- 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);
- Having dental treatment except as a result of Injury;
- Being exposed to war or any act of war, declared or undeclared; or actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve. (Aflac will upon receipt of written notice of military service, refund all premiums as is applicable to such persons on a pro rata basis.
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