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In the event that you get injured or sick, accident and sickness insurance can be very helpful. You may use the cash benefits, unless otherwise assigned, to help cover a variety of expenses and focus on your recovery. Keep reading to find out what accident and sickness insurance is and how it works so you can decide if it makes sense for your unique situation.
Accident and sickness insurance is designed to help support you financially if you’re unable to work after a covered injury or illness. As long as you pay your premiums, you’ll receive cash benefits, unless otherwise assigned, to help put toward medical and non-medical out-of-pocket expenses that you might face.1 This type of policy can help give you some additional peace of mind when a new, unexpected accident or injury occurs.
Aflac’s accident insurance offers affordable coverage to individuals and groups. You can find and apply for a plan that can help meet your particular needs.
You can use the cash benefits to help pay for medical and non-medical expenses, such as:
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
Fortunately, accident and sickness insurance is usually affordable, especially when you compare it to other types of policies. Depending on the plan you have, monthly premiums may range from a few dollars to more than $50.2 Factors like the insurance company, type of coverage, and number of people covered can all play a role in the cost. You can get an accident insurance policy from Aflac and enjoy low premiums.
After you sustain an accident or sickness, your primary health insurance can help cover some treatment costs. But there’s a good chance you’ll be left with out-of-pocket medical expenses, as well as a variety of non-medical expenses. Accident and sickness insurance is intended to help complement your primary health plan and provides cash benefits, unless otherwise assigned, that you can apply toward any costs you’d like.
You might want to invest in accident and sickness insurance if any of these situations apply to you:
The reality is that an accident or sickness can happen at any moment. An accident and sickness policy can help protect you financially in case the unexpected occurs.
If you have children that are prone to accidents, accident and sickness insurance may come in handy. It may help you avoid the high out-of-pocket expenses you might face as a parent.
While living an active lifestyle comes with many benefits, it can also increases your risk of accidents. If you consider yourself active, accident and sickness insurance can help provide you with additional peace of mind.
Your primary health insurance plan typically won't help cover all the expenses that an accident or sickness may bring. An accident and sickness policy can help reduce the out-of-pocket costs you may incur without breaking the bank.
Ideally, you’d never experience an accident or illness. Since this is unlikely, accident and sickness insurance should be on your radar. It’s an affordable way to help protect yourself from out-of-pocket expenses.
With Aflac’s accident insurance, you can collect cash benefits, unless otherwise assigned, after a covered accident and injury. This may help alleviate financial stress and allow you to direct your attention toward recovery. Start chatting with an agent today for more information or a quote.
1 eHealth - Accident insurance: Protecting you when the unexpected happens. Updated July 10, 2024. https://www.ehealthinsurance.com/resources/affordable-care-act/accident-insurance. Accessed October 7, 2024.
2 HealthInsurance.org - See your accident insurance coverage options. https://www.healthinsurance.org/supplemental-insurance/accident-insurance/. Accessed October 7, 2024.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Accident, A36000 series: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA.
Coverage underwritten by 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).
Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 Albany, NY 12211
Z2301251R1
EXP 10/25
