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Voluntary accident insurance is a supplemental accident policy. These types of plans are usually offered by employers but paid for by employees.1 Let’s dive deeper into what voluntary accident insurance is and how it works so you can decide if it’s right for your unique situation and needs.
If you get into an accident that causes you to develop a certain injury, become disabled or be unable to work, voluntary accident insurance can come into play. These plans may offer a lump sum payment to help with expenses related to your injury. This can help relieve the financial burden you may face while you recover.2
Voluntary accident insurance helps cover certain types of injuries and expenses, which vary from plan to plan. Some examples of injuries include severe burns, skin grafts, concussions, joint replacements, eye injuries, and lacerations. Many policies may also help pay for expenses, such as ambulance costs, physical therapy, and hospital stays.2
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
Many employers include voluntary accident insurance as an option in their benefits packages. You can access this type of policy easily and conveniently if your employer offers it. Once you enroll, deductions may come out of your paycheck, so you don’t have to worry about a monthly bill. Individual accident insurance also provides supplemental coverage, however, you typically find, apply for, and pay for the policies on your own, without an employer.
Here are some advantages that accident insurance offers:
Your primary health insurance plan might not cover all of the expenses that stem from an accident. Accident insurance can help provide you with the extra coverage you may need.
Typically, voluntary accident insurance is relatively inexpensive. The price depends on factors like the insurer, where you live, and how much coverage you want.
By applying for accident insurance, you can have added peace of mind in knowing you'll be better protected from the high expenses that come with injuries. As a result, you might feel more confident pursuing activities that fulfill your life.
There are several reasons you may benefit from accident insurance. Maybe you lead an active lifestyle or participate in extreme sports or activities. Or perhaps you simply want additional coverage that your primary health insurance plan does not offer.
Voluntary accident insurance can come in handy if you get into an accident. It can help protect you and your loved ones from the financial burden that serious injuries often bring.
If your employer doesn’t offer voluntary accident insurance, don’t worry. Aflac’s individual accident insurance plans are a great alternative. They’re available to you regardless of your employment status. After a qualifying accident, you can receive a cash payout you can use in any way you’d like. Contact an Aflac agent for a quote or more information.
1 Healthinsurance.org – Voluntary Accident Insurance. https://www.healthinsurance.org/glossary/voluntary-accident-insurance/. Accessed September 27, 2024.
2 The Annuity Expert – How To Get Accident Insurance Coverage. https://www.annuityexpertadvice.com/accident-insurance/. Accessed September 27, 2024.
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. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance does business as Tier One Insurance Life Insurance Company (Tier One NAIC 92908).
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
Z2300627R1
EXP 10/25
