Voluntary Benefits
Aflac Accident, Critical Illness and Hospital Indemnity insurance can help provide additional financial protection when the unexpected happens. These voluntary, employee-paid plans pay cash benefits directly to you for covered injuries, illnesses and hospital stays, helping offset expenses that may not be covered by your medical plan.
In addition to coverage for unexpected health events, these plans also include a wellness benefit that pays eligible participants for completing certain preventive screenings and routine health exams. These benefits are designed to complement your medical coverage, not replace it.
Supplemental Medical Benefits
Aflac Critical Illness, Hospital Indemnity and Accident insurance can help you pay for costs you may incur after an accidental injury, illness or hospitalization. These plans are 100% voluntary, on a post-tax basis.
These plans pay a fixed, one-time benefit amount which you can use for any purpose you like. It can help pay for expenses not covered by your medical plan (such as your deductible or copays), lost income, childcare, travel to and from treatment, home health care costs or any of your regular household expenses. These plans are not meant to replace your medical insurance.
Curious about these benefits?
For helpful videos and information about these benefits (including how to submit claims and plan details) visit aflacgroupinsurance.com.
Critical Illness Insurance
Sample of Covered Conditions:
- Heart Attack
- Multiple Sclerosis
- Alzheimer’s Disease
- Parkinson’s Disease
- Stroke
- Major Organ Failure
Critical Illness Claim Example
- Manny suffers a heart attack while mowing the lawn. Thankfully, he had enrolled in critical illness insurance coverage.
- Manny receives a lump sum payment so he can pay for:
- Medical expenses incurred during and after his heart attack.
- Groceries and his mortgage while he takes time off work to recover.
- Manny’s critical illness coverage gives him peace of mind with a total payout of: $20,000
| Critical Illness Benefit Amounts | |
|---|---|
| Employee | Up to $30,000 in $10,000 increments |
| Spouse | 100% of face amount elected by employee |
| Child(ren) | 100% of face amount elected by employee |
Hospital Indemnity Insurance
Sample of Covered Conditions:
- Hospital Admission
- Hospital Confinement
- Hospital Intensive Care
Hospital Claim Example
Sara is enrolled in hospital employee-only coverage effective 1/1/2026. Sara is pregnant and goes into labor. Because this is her first child, Sara does not have dependent child coverage on her Hospital Plan. Luckily, Aflac automatically provides newborn coverage for 60 days from birth. Sara was in the hospital for her newborn’s delivery for 3-days.
| Benefit | Patient | Benefit Amount |
|---|---|---|
| Hospital Admission | Mother | $1,500 |
| 3-days confinement for delivery | Mother | $150 x 3 days = $450 |
| Newborn | $150 x 3 days = $450 | |
| Total | $2,400 | |
Accident Insurance
Eligible Expenses
- Emergency Room Visits
- Hospital Stays
- Medical Exams including major diagnostic exams
- Physical Therapy
- Fractures and Dislocations
- Transportation and Lodging – if you are away from home when the accident happens
Accident Claim Example
- While Rosie is playing field hockey, she hits her head and is knocked unconscious. She’s taken to the ER.
- Her accident insurance benefit will help cover:
- Ambulance ride: $600
- Emergency room treatment: $360
- MRI: $300
- Treatment for concussion: $500
- Rosie’s accident insurance coverage paid out flat amounts for covered expenses for a total of: $1,760
Wellness and Health Screening Benefit
Aflac Accident, Critical Illness and Hospital Indemnity insurance plans offer benefits simply for taking advantage of wellness/health screening tests performed as the result of preventive care, including tests and diagnostic procedures ordered in connection with routine examinations.
- $50 Accident Wellness Benefit
- $100 Critical Illness Health Screening Benefit
- $50 Hospital Indemnity Health Screening Benefit
Each benefit is payable once per insured, per calendar year for the covered team member, spouse, and dependent children.
Covered tests include, but are not limited to, the following:
- Annual physical
- Mammography
- Blood screening
- Colonoscopy
- And much more!
Claim Example
During open enrollment, Claire chose Aflac Accident and Critical Illness insurance. Each year, she can claim a total of $150 between her two policies when she undergoes a regular wellness test, like a blood screening or annual physical. Claire is taking care of her wellness and getting paid for it, too.