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Aflac offers supplemental accident insurance that helps with what your health insurance plan might not cover. We pay cash benefits directly to you (unless assigned otherwise) to be used however you choose.
Start My QuoteAccidents happen. Financial hardship doesn't have to. We pay you cash benefits in the event of a covered injury, so you can focus on recovery instead of your finances.
You are cleaning your gutters when the ladder slips and you fall off.
The physician visit and x-ray in the ER reveals a dislocated hip and a broken wrist.
Cash benefits are paid directly to you (unless you choose otherwise), helping ease the financial stress of your accident.
Claims made on your Aflac Accident Indemnity Advantage® policy are paid fast, so unexpected bills don't have to leave you sidelined
When an accident occurs, there can be a great deal of treatment fees that exist outside of hospital bills. Aflac pays you cash benefits directly (unless assigned), which can be used for any of these services:
Aflac can help pay for those additional costs on top of treating the injury.
Helps cover the treatments and procedures needed to restore your health.
Anticipates the need for therapy, both physically and emotionally, to recover from the impact of the accident.
Aids any facilities or programs needed to create a seamless recovery.
Assists with the cost of x-rays, blood tests, CT scans, MRIs, and any other exams needed to assess the injury at hand.
Provides benefits your family can use too, like cash payments for medical bills or everyday expenses.
I've had three knee replacements. I didn't expect it and I didn't really plan for it but, when you have a partner, like Aflac, it'll be OK on the other side.
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 may be available at an additional cost. Plans and riders may also contain a waiting period. Refer to the exact plans and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer.
1 Johnnie is a real policyholder. This is her story. Your benefits from Aflac may differ. Johnnie was paid for her time telling this story.
Aflac
In Arkansas, Policy A37000AR. In Delaware, Policies A371AA & A371BA. In Idaho, Policy A37000ID. In New York, Policy NY37000. In Oklahoma, Policy A37000OK. In Oregon, Policy A37000OR. In Pennsylvania, Policy A37000PA. In Texas, Policy A37000TX. In Virginia, Policies A371AAVA & A371BAVA.
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. For any benefit to be payable, the Injury, treatment, Accidental-Death, Dismemberment, or loss must occur on or after the Effective Date of coverage and while coverage is in force. 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 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. Aflac may void this policy 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. If you have received benefits that were not contractually due under this policy, then Aflac reserves the right to offset any benefits payable under this policy up to the amount of benefits you received that were not contractually due.
Aflac will not pay benefits for an Injury, treatment, Accidental-Death, Dismemberment, or loss that is caused by or occurs as a result of a Covered Person's:
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. For any benefit to be payable, the Injury, treatment, Accidental-Death, Dismemberment, or loss must occur on or after the Effective Date of coverage and while coverage is in force. Aflac will not pay benefits for an Injury, treatment, Accidental-Death, Dismemberment, or loss that is caused by or occurs as a result of a Covered Person's:
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. For any benefit to be payable, the Injury or treatment must occur on or after the Effective Date of coverage and while coverage is in force. Aflac 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. Aflac may void this policy and will not pay benefits whenever: (1) material facts or circumstances have been intentionally 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. If you have received benefits that were not contractually due under this policy, then Aflac reserves the right to offset any benefits payable under this policy up to the amount of benefits you received that were not contractually due. Aflac will not pay benefits for an Injury, treatment, Accidental-Death, Dismemberment, or loss that is caused by or occurs as a result of a Covered Person's:
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. For any benefit to be payable, the Injury, treatment, Accidental-Death, Dismemberment, or loss must occur on or after the Effective Date of coverage and while coverage is in force. Aflac will not pay benefits for treatment or loss due to Sickness. 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. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage.
Aflac will not pay benefits for an Injury, treatment, Accidental-Death, Dismemberment, or loss that is caused by or occurs as a result of a Covered Person's:
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.
Tier One
T37000 Series: In Arkansas, Policy T37000ARR. In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR. In Oregon, Policy T37000OR. In Oklahoma, Policy T37000OK. In Pennsylvania, Policies T37000PA, T37300PA, & T37500PA. In Texas, Policy T37000TX. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA, T37600VA.
Limitations and Exclusions for residents of Arizona:
Tier One will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
[Tier One will not pay benefits for treatment or loss from an On-the-Job Injury.]
For any benefit to be payable, the [Off-the-Job] Injury, treatment, [Accidental-Death, Dismemberment,] or loss must occur on or after the Effective Date of coverage and while coverage is in force.
Tier One 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.
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.
Tier One may void this policy 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. If you have received benefits that were not contractually due under this policy, then Tier One reserves the right to offset any benefits payable under this policy up to the amount of benefits you received that were not contractually due.
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 an [Off-the-Job] Injury, treatment, [Accidental-Death, Dismemberment,] or loss that is caused by or occurs as a result of a Covered Person's:
Limitations and Exclusions for residents of Idaho:
Tier One will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
For any benefit to be payable, the Injury, treatment, Accidental-Death, Dismemberment, or loss must occur on or after the Effective Date of coverage and while coverage is in force.
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 an Injury, treatment, Accidental-Death, Dismemberment, or loss that is caused by or occurs as a result of a Covered Person's:
Limitations and Exclusions for residents of Virginia:
Tier One will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
For any benefit to be payable, the Injury, treatment, Dismemberment, or loss must occur on or after the Effective Date of coverage and while coverage is in force.
Tier One will not pay benefits for treatment or loss due to Sickness.
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.
Tier One will not pay benefits whenever fraud is committed in making a claim under this coverage.
The following conditions are Sicknesses, not Injuries, under the terms of this policy, therefore, benefits are not payable for these conditions: occupational diseases; conditions caused by overuse; conditions caused by repetitive motion, strain, or stress; conditions caused by prolonged or repetitive exposure to substances, materials, gases, toxins, light, or processes; any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; and an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure for any Sickness.
Tier One will not pay benefits for an Injury, treatment, Dismemberment, or loss that is caused by or occurs as a result of a Covered Person's:
Aflac’s family of insurers includes Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Aflac | Tier One | WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Z2400730
