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Accident Insurance

I’ve had 3 knee replacements, and I’ll never forget what Aflac has done for me.

– Johnnie*

What is Accident Insurance?

Accident insurance policies help provide support when life’s most unexpected moments arrive. Supplemental accident insurance is meant to be purchased in addition to your primary policy. It helps pay the bills that your major medical insurance doesn’t completely cover. This helps provide peace of mind when new and unexpected injury costs occur. Aflac works by paying benefits regardless of your current plan. This gives you extra support and financial relief during these covered accidents.

What Does an Accident Insurance Policy Help Cover?

When an accident occurs, there can be a great deal of treatment fees that exist outside of hospital bills. Aflac pays you cash benefits directly (unless assigned), which can be used for any of these services:

Provides financial assistance if an ambulance is required to transport you to the hospital.

Helps cover the treatments and procedures needed to restore your health.

Assists with the cost of x-rays, blood tests, CT scans, MRIs, and any other exams needed to assess the injury at hand.

Anticipates the need for therapy, both physically and emotionally, to recover from the impact of the accident.

Aids any facilities or programs needed to create a seamless recovery.

Provides benefits your family can use too, like cash payments for medical bills or everyday expenses.

Depending on your family size, location, and coverage goals, Aflac has a plan to help meet your needs.

Why Get Accident Insurance?

With accident insurance, you can have help covering the out-of-pocket costs you may face after an accident. Some of these expenses may include hospital stays, medical exams, emergency treatments, transportation, and lodging. It can help fill the gap in coverage between your health insurance and other policies you might have.

Many accident insurance policies help cover certain injuries, like burns, lacerations, broken limbs, and paralysis. In the event an accident takes your life, accident insurance can pay out money to your designated beneficiary, which may be your partner or a child.

Injuries and Emergency Services

Aflac’s accidental injury insurance can help cover a wide span of events, from emergency situations to more common accidents. On one side of the spectrum, we provide benefits for burns, comas, paralysis, concussions, dislocations, and lacerations. While crisis injuries can occur, there are a laundry list of common injuries that need attention too. Aflac can also help cover fractures, broken teeth, eye injuries, and pain management, like epidurals.

There are many additional costs on top of treating an injury that may not be covered under your primary medical coverage. Aflac can help pay for ambulance trips, physical therapy, CT Scans, MRIs, confinement, blood transfusions, and medical appliances.

What Isn’t Covered By Accident Insurance?

Accident and health insurance are different. While major health insurance is necessary, our accident policy is optional. Our supplemental accident insurance only pays benefits when a covered accident or injury occurs.

What about accidents while traveling? Our plans can help cover transportation costs, hospital fees, and other medical expenses incurred during travel accidents. However, it will not pay benefits for bacterial, viral, microorganism infections, or any condition resulting from insect bites or stings. For an in-depth understanding of what isn’t covered, explore the limitations and exclusions in your policy.

For health events, you could be better protected with one of our critical illness insurance policies, it helps provide coverage for life-changing events, like a heart attack or stroke, and typically pays the benefits in a lump sum payment.

Our short-term disability insurance can help provide income protection while you are unable to work due to a covered sickness, injury or mental health condition so you can focus on your recovery. Ask your employer about Aflac Short-Term Disability insurance. This product is only available through worksite payroll deduction.

If the accident takes a turn for the worst, financial stressors shouldn’t consume you. Aflac’s Accidental-Death Benefit Rider provides accidental death benefits with varying cash payouts for your spouse and children. This rider may help keep your family afloat while grieving. If you are concerned about losing a family member due to other circumstances, we encourage you to look at our life insurance policies.

Is Accident Insurance Worth It?

Accidents happen, big or small, and always at the wrong time. No warning, no time beforehand to reallocate funds, but a surprise injury can have a hefty price tag.

So, if you’re pondering, “do I need accident insurance?” we encourage you to look at the premiums on your current health insurance plan. According to the Kaiser Family Foundation 2023 Employer Health Benefit Survey, average single and family premiums increased 7% in the past year. This has resulted in a 22% premium increase for the average family coverage in the last 5 years.1

Having an added layer of supplemental accident insurance can help fill the gaps that your primary insurance may be missing.

How Much Does an Accident Insurance Policy Cost?

Accident insurance costs are generally low, especially when you factor in the long-term savings. You can opt into an accident policy that provides weekly coverage for less than the cost of a box of bandages!2 You can spend the same amount per week on an accident policy as you do household first aid.

Are you debating whether you should get accident insurance? Check to see if your employer offers adequate accident coverage. If you can't get insurance through work, opting into personal accident insurance could be the extra layer of security you need.

There are certain people that could particularly benefit from an accident policy.

If you have children involved in sports, our Organized Sporting Activity Benefit could be the extra protection you’re looking for. It pays benefits for many common sports injuries, like sprains, tears, fractures, and breaks.

We have accident insurance plans to help meet the needs of you and anyone in your family. Our Family Support Benefit can help protect you and your loved ones.

Accident Insurance FAQs

Does Accident Insurance Cover Out-of-Pocket Expenses?

Accident insurance is designed to help you pay for the out-of-pocket costs that often come after an covered accidental injury. Several examples include hospital stays, medical exams, and emergency treatments. If you don’t have the funds to cover these types of expenses upfront, the help from accident insurance can make a real difference.

Who Should Get an Accident Insurance Policy?

There are many reasons why it may be wise to invest in accident insurance. These types of policies can help cover a wide span of accidental injuries that could prevent you from being able to work. In addition, an accident insurance policy can make sense if you lead an active lifestyle that involves activities like skiing or rock climbing, have children, or don’t have or want to use emergency savings to pay for accidents.

Is There a Waiting Period for Accident Insurance Coverage?

One of the greatest perks of accident insurance is that there is no waiting period like with other types of insurance policies. This means that you don't have to wait a certain amount of time before your coverage goes into effect, so you can file claims immediately after a covered accident occurs.

How Can I File an Accident Insurance Claim?

Many insurance companies that offer accident insurance will allow you to file a claim online, over the phone, or via their mobile app. To do so, you’ll need to provide detailed information and documentation related to the accident, such as the date, time, and location of the incident and pictures of the injuries.

Get an Accident Insurance Quote

Finding the accident insurance company for your unique situation just got easier. To get started, you can leave pre-screening questions and eligibility requirements at the door. We encourage you to compare personal accident insurance with your primary health care plan to see where gaps may exist.

When choosing an accident insurance company, remember to weigh out the pros and cons. Aflac pays you (unless assigned) direct cash benefits if a covered accident does occur, helping with expensive costs that can come with unforeseen injuries. You get your money fast to help ensure that ambulance fees, hospital costs, transportation, lodgings, and recovery care are not a financial burden.

*Johnnie is a real policyholder. This is her story. Your benefits from Aflac may differ. Johnnie was paid for her time in telling this story.

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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730) Dental and Vision plans are administered by Aflac Benefit Solutions, Inc. Aflac Worldwide Headquarters | Columbus, GA Aflac Group | Columbia, SC American Family Life Assurance Company of New York | Albany, NY Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law. Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)

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