What does an AFLAC accident policy cover?

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 is AFLAC indemnity?

Hospital indemnity insurance plans pay the policyholder directly, unless otherwise assigned, to help with hospital costs. Aflac offers hospital indemnity insurance, with premiums payable through worksite payroll deductions.

Does AFLAC have subrogation rights?

Supplemental Insurance like AFLAC doesn’t qualify for subrogation because it’s an individually-purchased policy.

Does AFLAC pay for epidural injections?

EPIDURAL PAIN MANAGEMENT BENEFIT: Aflac will pay $100 when a Covered Person is prescribed, receives, and incurs a charge for an epidural administered for pain management in a Hospital or a Physician’s office for Injuries sustained in a covered accident.

How much does Aflac pay for broken bones?

If a doctor diagnoses the fracture as a chip fracture, we will pay 25% of the amount shown for the affected bone. The maximum amount payable for the Fracture Benefit per covered accident is 150% the benefit amount for the fractured bone that has the higher dollar amount.

Does Aflac really work?

Aflac has an A+ rating from A.M. Best, a credit rating agency for the insurance industry. Aflac also sells some of its supplemental insurance products directly to individuals.

Is AFLAC worth buying?

Aflac Pros: Well-established company with more than 65 years experience in the insurance business. Provides several types of supplemental coverage including life insurance for adults, short-term disability insurance, accident insurance, dental insurance, and more. A+ ratings by both the BBB and AM Best.

Can you keep AFLAC on your own?

Q: If I quit, can I keep my AFLAC plan? A: Yes, your benefit is portable – and can follow you to your new employer. Your premium will become directly billed by AFLAC. AFLAC stipulations will apply.

How much does Aflac pay for endoscopy?

INVASIVE DIAGNOSTIC EXAMS BENEFIT: Aflac will pay $100 when a Covered Person requires one of the following exams, with or without biopsy, and a charge is incurred: arthroscopy, bronchoscopy, colonoscopy, cystoscopy, endoscopy, gastroscopy, laparoscopy, laryngoscopy, sigmoidoscopy, or esophagoscopy.

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