We care about Aflac’s policyholders affected by the recent weather:
To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
We care about Aflac’s policyholders affected by the recent wildfires:
To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
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The world of insurance can be complex. Understanding the various types of insurance and which options are best for you are the first steps toward better support. Accident insurance coverage can be a great addition to anyone’s coverage goals because accidents don’t discriminate against whom they impact. Here’s what accident insurance coverage is, what an accident insurance plan covers, and the benefits this type of plan offers.
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Accident insurance is a supplemental policy that aims to help provide support amidst life’s most unexpected moments. It’s important to note that most of the time one must own a major medical plan to access supplemental accident insurance. Accident insurance works with your primary health insurance plan to help with the costs that can accompany an unexpected covered accidental injury.
It’s not uncommon for your major medical insurance plan to leave you with high out-of-pocket costs. Supplemental accident insurance helps provide peace of mind when new and unexpected injury costs pop up.
Every accident insurance plan is different, so you’ll need to take a close look at all of the plans you are considering. However, Aflac’s accident insurance plan helps cover a variety of services from emergency situations to more common accidents. It can help with treatments and procedures needed to restore your health from an unexpected covered accident. 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 however you see fit.
If you have additional questions about what accident insurance covers, you can always reach out to an Aflac agent for more information. Plans have limitation and exclusions.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedIt’s important to note that there are personal and group accident insurance plans available at some organizations, including Aflac. The specific coverage options vary from company to company, but you may be able to expect the same coverage in both personal and group accident insurance plans.1
Like many of Aflac’s supplemental insurance plans, accident insurance costs are relatively low and fit into most budgets.
For example, a broken arm or leg can cost thousands of dollars.2 Your major medical insurance plan may pay for a certain percentage of treatments and services required, but not all. Applying for an accident insurance plan at a low monthly cost can help offset any out-of-pocket costs you may be expected to pay after a covered accident occurs.
Accident insurance coverage offers a variety of benefits, including:
Now that you know how accident insurance works, you may be wondering whether it’s right for you. Here are some instances where getting a policy may make sense:
In addition to accident insurance, here are some other types of supplemental coverage Aflac offers that can help give you peace of mind:
With accident insurance, you can receive the financial protection you need in case you suffer a covered injury. Now that you have a better idea of what accident insurance helps cover, you may want to explore Aflac accident insurance more in-depth. Chatting with an agent and getting a quote can help you visualize the entire process.
Get Started
Accident insurance helps cover costs if you suffer an accidental injury. Learn what accident insurance is and how to get this supplemental insurance plan.
Voluntary accident insurance is a plan offered by employers that can help cover injury-related costs. Learn more about what voluntary accident insurance is.
Accident insurance helps cover costs if you suffer an accidental injury. Learn what accident insurance is and how to get this supplemental insurance plan.
Voluntary accident insurance is a plan offered by employers that can help cover injury-related costs. Learn more about what voluntary accident insurance is.
1 GoodRX - What Is Accident Insurance and Is It Worth It? Updated September 20, 2023. Accessed February 27, 2025. https://www.goodrx.com/insurance/health-insurance/what-is-accident-insurance.
2 HealthCare.gov – Why health insurance is important. Accessed February 27, 2025. https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/
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 (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, VA or VT. 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 | 1932 Wynnton Road | Columbus, GA 31999
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