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,
What is covered by personal accident insurance?
Personal accident cover will pay out compensation to you and/or your family if you are involved in a serious accident that causes injury or even death. Typically, this type of insurance is included in car insurance and life insurance policies.
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.
Is accident insurance worth the cost?
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.
Which is not covered under personal accident policy?
The below-mentioned causes of injury or death are not covered or included under a group personal accident insurance : Additional payment for a claim after it has been paid. Any pre-existing condition and disability or accident arising out of it. Consequential loss of any kind and legal liability.
What are the benefits of personal accident insurance?
Personal accident insurance FAQS Below mentioned benefits can be availed with Personal Accident Insurance: Cover against accidental death or permanent total disability on account of accident. Optional cover against accidental hospitalisation expenses & accidental hospital daily allowance. No health check-up required.
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 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.
Does Aflac pay for blood work?
LABORATORY TEST AND X-RAY BENEFIT: Aflac will pay $35 when a Covered Person requires, and incurs a charge for, a laboratory test or an X-ray. The laboratory test or X- ray must be performed in a Hospital, Medical Diagnostic Imaging Center, Physician’s office, an Urgent Care Center, or an Ambulatory Surgical Center.
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.