What is covered under Aflac accident policy?
ACCIDENT SPECIFIC-SUM INJURIES BENEFITS: When a Covered Person receives treatment under the care of a Physician for Accidental Injuries sustained in a covered accident , Aflac will pay specified benefits ranging from $35– $12,500 for dislocations, burns, skin grafts, eye injuries, lacerations, fractures, concussion,
Does Aflac pay for emergency room visits?
HOSPITAL EMERGENCY ROOM BENEFIT: Aflac will pay $100 when a Covered Person receives treatment for a covered Sickness or Injury in a Hospital Emergency Room , including triage, and a charge is incurred for such treatment . This benefit is payable twice per Calendar Year, per Covered Person.
What illness does Aflac cover?
That’s the benefit of an Aflac group Critical Illness plan. It can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack or a stroke . More importantly, the plan helps you focus on recuperation instead of the distraction and stress over out-of-pocket costs.
What is considered an accidental injury?
Accidental injury as the name suggest delineates all those types of injuries which are the outcome of an unforeseen and unfortunate mishap. Falls, cuts, burns, road accidents, bites, stings and drowning are examples of accidental injuries . Such injuries are covered under individual personal accident insurance.
How long do you have to file an accident claim with Aflac?
How long do I have to file a claim ? A. There is a one-year timely filing provision in your certificate.
How much does Aflac pay per day in hospital?
DAILY HOSPITAL CONFINEMENT BENEFIT: Aflac will pay $100 per day for the Period of Hospital Confinement when a Covered Person requires Hospital Confinement for a covered Sickness or Injury and a room charge is incurred. This benefit is payable in addition to the Hospital Confinement Benefit.
Is Aflac a good deal?
AFLAC’s policies are legit, and at a great price, but they have to be a good fit for you and your lifestyle to be a good value. Basically, for any AFLAC policy, whether or not it’s a good fit and a good value for you comes down to your lifestyle.
How long does it take for Aflac to kick in?
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 much will Aflac pay for surgery?
Surgical Benefit Aflac will pay $100 – $2,000 when a covered person has surgery performed for a covered sickness in a hospital or ambulatory surgical center based upon the Schedule of Operations in the policy.
What are the 30 critical illnesses?
List of 30 critical illnesses Major Cancer. Heart Attack of Specified Severity. Stroke with Permanent Neurological Deficit. Coronary Artery By-pass Surgery . End Stage Kidney Failure . Irreversible Aplastic Anaemia. End Stage Lung Disease . End Stage Liver Failure.
Does Aflac accept pre existing conditions?
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. Aflac will not pay benefits for a Disability that is being treated outside the territorial limits of the United States.
How much does Aflac pay for an accident claim?
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.
Should I get accidental injury insurance?
If an accident results in medical expenses your current health insurance doesn’t cover, accident insurance can serve as a financial cushion should the unexpected happen. Accident insurance also helps complement disability insurance by allowing you to claim benefits even if your injuries don’t keep you out of work.
Is accident insurance a good idea?
Is accident insurance worth it? Accident insurance is relatively inexpensive, but it also offers relatively small benefits. You might benefit from an accident insurance policy if your health insurance has high deductibles, because accident insurance offers a one-time payout that can help you afford medical care.