Aflac accident policy

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.

Does Aflac pay for death?

Aflac will pay the following benefits as applicable if a Covered Person’s Accidental- Death , Dismemberment, or Injury is caused by a covered accident that occurs on or off the job. Treatment or confinement in a U.S. government Hospital does not require a charge for benefits to be payable.

What does Aflac critical illness policy cover?

With Aflac’s Lump Sum Critical Illness plan , you receive cash benefits directly—giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses, such as car payments, the mortgage or rent, groceries, or utility bills—the choice is yours.

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.

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.

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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.

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 long do you have to have Aflac before you can use it?

Both the policy and the rider must remain in force for five consecutive years for you to be eligible for the Aflac Value Benefit. If the rider is issued after the Effective Date of the policy, the initial consecutive five-year period begins on the rider Effective Date.

Can I cash out my Aflac life insurance policy?

Available cash – You can borrow from the policy’s cash value to help pay medical expenses, college tuition, or any other bills you may have. Increase in the cash values – Any increase in the cash value of a life policy is not subject to income tax while the cash remains in the policy .

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.

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How much does Aflac pay if you get cancer?

First-Occurrence Benefit Aflac will pay $5,000 for the insured, $5,000 for the spouse, or $7,500 for children when a covered person is diagnosed with internal cancer . This benefit is payable only once for each covered person and will be paid in addition to any other benefit in this 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.

What are the 36 critical illnesses?

Major Cancers. Heart Attack of Specified Severity. Stroke. Coronary Artery By-pass Surgery. Kidney Failure. Aplastic Anaemia. End Stage Lung Disease . End Stage Liver Failure.

How does short term disability work with Aflac?

How it works . Individual is injured in a covered accident. Individual is totally disabled and cannot work for 6 weeks. Aflac Short – Term Disability coverage pays benefits directly to the policyholder.

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