What type of insurance is Aflac considered?

Aflac is voluntary insurance, or an optional layer of financial protection. And with healthcare costs on the rise, more Americans than ever are seeking an extra financial safety net for unexpected medical expenses.

What does accidental Aflac cover?

Injuries and Emergency Services Covered Aflac’s accidental injury insurance helps cover a wide span of events, from emergency situations to more common accidents. On one side of the spectrum, we provide coverage for burns, comas, paralysis, concussions, dislocations, and lacerations.

What does Aflac pay you for?

Accident Emergency Treatment Benefit Aflac will pay $120 for the insured and the spouse, and $70 for children if a covered person receives treatment for injuries sustained in a covered accident. This benefit is payable for X-rays, treatment by a physician, or treatment received in a hospital emergency room.

Can I keep Aflac when I retire?

Portable: If you change jobs or retire, you can still keep your benefits. Premium: The monthly amount an individual pays for coverage. Pre-existing Condition: An illness, disease, infection, disorder or injury that occurred within 12 months of the start date of your coverage.

Does Aflac cover pre-existing conditions?

A. Disability caused by a Pre-existing Condition or reinjuries to a Pre- existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. B. Aflac will not pay benefits for a disability that is being treated outside the territorial limits of the United States.

Will Aflac cover pre existing conditions?

How long do you have to have Aflac before it pays?

Aflac will not pay benefits for an illness, disease, infection, or disorder that is diagnosed or treated by a Physician within the first 30 days after the Effective Date of coverage, unless the resulting Disability begins more than 12 months after the Effective Date of coverage.

How far back will Aflac pay?

AFLAC VALUE RIDER Pays $1,000 every 5 years while the policy is in force (up to five times), less any disability claims paid or $100, whichever is greater. DISABILITY BENEFIT FOR ON-THE-JOB INJURY RIDER Provides benefits if a disability is caused by a covered on-the-job injury while coverage is in force.

What is better than Aflac?

Aflac competitors include Liberty Mutual Insurance, Humana, Allstate, State Farm Insurance and Aetna.