What does an accident policy cover?

What is considered a covered accident?

Covered Accident means an accident that occurs while coverage is in force for a Covered Person and results directly and independently of all other causes in a loss or Injury covered by the Policy for which benefits are payable.

What does the Aflac accident policy cover?

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,

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.

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.

Does your health insurance cover you in a car accident?

If you do not have PIP or MedPay coverage on your car insurance , you may use your health insurance to pay for any medical bills resulting from a car accident . If you live in a tort state, you also have the option of filing a claim against the other driver’s insurance to pay for medical expenses.

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Will health insurance cover accidents?

Typically, health insurance covers medical treatment for injuries regardless of whether or not they were caused by an auto accident . Always seek medical attention right away after a car collision, even if you feel fine.

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.

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 cover lost wages?

Aflac provides benefits for both total and partial disability. Even if you’re able to work, partial disability benefits may be available to help compensate for lost income. Regardless of any other disability insurance you may have, including Social Security, we will pay you directly.

How much compensation do you get for accidental death?

In Alberta , section 8 of the Fatal Accidents Act sets out the amount for bereavement for fatal collisions occurring after May 1, 2013 as $82,000 to a surviving spouse or interdependent partner, $82,000 to the parent or parents divided equally, and $49,000 to each surviving child of the deceased no matter his/her age.

Does personal accident cover heart attack?

Remember, if the insured dies and it’s because of or related to an illness, it won’t be covered . If an insured has a heart attack while driving and gets into a car crash because of the heart attack , their death (or injury ) might not be covered by their accidental death coverage (or AD&D insurance ).

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What is capital sum insured?

Capital Sum Insured means the sum as specified in the Schedule to this Policy against the name of Insured / Insured Person, which sum represents the Company’s maximum liability for any or all claims under the Accident benefit(s) during the Policy Period against the respective benefit(s).

How do I file an accident claim with Aflac?

File your claim with Aflac SmartClaim®: Access Aflac SmartClaim from MyAflac or the MyAflac Mobile app. Aflac SmartClaim guides you every step of the way. Upload required documents. Submit your claim before 3 p.m. ET, Monday-Friday.

Does Aflac pay if you get hurt at work?

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 . Aflac will pay this benefit up to 365 days per covered accident, per Covered Person.

Does Aflac accident cover broken tooth?

We will pay for no more than two fractures per covered accident , per covered person. We will pay no more than one benefit for broken teeth per covered accident , per covered person. Coma duration must be at least seven days and must require intubation for respiratory assistance.

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