What does aflac accident insurance cover

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How much does Aflac pay for an accident claim?

Accident Hospital Confinement Benefit Aflac will pay $250 per day for which a covered person is charged for a room for hospital confinement* of at least 18 hours for treatment of injuries sustained in a covered accident. This benefit is payable up to 365 days per covered accident, per covered person.

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. No lifetime maximum.

How much will Aflac pay?

Accident Hospital Confinement Benefit Aflac will pay $250 per day for which a covered person is charged for a room for hospital confinement* of at least 18 hours for treatment of injuries sustained in a covered accident. This benefit is payable up to 365 days per covered accident, per covered person.

What expenses does Aflac cover?

We help cover what health insurance doesn’t so you can focus on recovery.

  • Accident. Get peace of mind and help paying for emergency treatment.
  • Cancer. Get help coping with the financial and emotional effects of cancer.
  • Critical Illness. …
  • Dental. …
  • Hospital. …
  • Life. …
  • Short-Term Disability. …
  • Vision.

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 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.

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Does Aflac pay for hospital stays?

$1,000 Aflac will pay a Hospital Confinement Benefit of $1,000 when a covered person requires hospital confinement for 23 or more hours for a covered sickness or accidental injury and a charge is incurred. This benefit is payable once per period of hospital confinement, per covered person.

Does Aflac pay for copays?

If you have Aflac, your cash benefits can be used to help pay your deductible, your portion of coinsurance, your copay or any other expenses you may have. … After you reach your out-of-pocket maximum, your insurance will cover 100 percent of all expenses, including copays or coinsurance.

Does Aflac offer benefits to employees?

Aflac contributes 100% of the individual employee premium for the individual basic Accident, Cancer and Hospital Confinement Indemnity and Hospital Intensive Care plans. … Aflac offers employees a 401(k) plan, with 100% matching up to 4% of their salaries (subject to IRS limitations) and other financial incentives.

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.

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 Accidental 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.

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How much does Aflac pay for short term disability?

Monthly Benefit: $500-$5,000 (subject to income requirements). Aflac expresses benefit amount in scheduled monthly amounts based on the employee’s gross salary and the monthly benefit selected. Note: Aflac is not a provider of Long-Term Disability Insurance.

What is Aflac insurance good for?

Aflac Leads The Field, But It Isn’t The Only Provider

It offers short-term disability insurance–to cover you against wage loss if you are temporarily unable to work; this coverage, from Aflac and other companies, is available only through payroll deduction from an employer.

How much does Aflac pay for a colonoscopy?

Aflac will pay $75 per calendar year when a charge is incurred for one of the following: breast ultrasound, biopsy, flexible sigmoidoscopy, hemocult stool specimen, chest X-ray, CEA (blood test for colon cancer), CA 125 (blood test for ovarian cancer), PSA (blood test for prostate cancer), thermography, colonoscopy, or …

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