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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.
Accident insurance is a supplemental policy that aims to 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 procedure needed to restore your health from an unexpected 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 affordable coverage from Aflac.
It’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 an 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 give you peace of mind:
With accident insurance, you can receive the financial protection you need in case you suffer an 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.
1 Meet Breeze - Accident insurance: What is it, how does it work & do I need it? Updated March 31, 2022. Accessed February 26, 2024. https://www.meetbreeze.com/accident-insurance/what-is-accident-insurance/.
2 HealthCare.gov – Why health insurance is important. Accessed February 26, 2024. https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/
Coverage underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Accident: A36000: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. 37000: In DE, Policies A371AA & A371BA. In ID, Policy A37000ID. In OK, Policy A37000OK. In VA, Policies A371AAVA & A371BAVA.
Coverage underwritten by Tier One Insurance Company.
In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR.In Oklahoma, Policy T37000OK.
This is a brief product overview only. 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 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.
The content herein 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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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