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Every Policy You Should Know About Aflac Accident Insurance

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Accidents happen. Whether you fall down the stairs or injure yourself playing a sport, a trip to the hospital can cost you hundreds or thousands of dollars. Aflac Accident Insurance is here to help you with the costs of a surprise hospital visit and can even provide money to beneficiaries if you die accidentally. But how much will Aflac Accident Insurance cover? Is accident insurance necessary for my needs? What is the monthly premium of accident insurance? 

We’ll answer all your burning questions and more. However, if you want to talk to someone about getting accident insurance coverage now, our agents are available every weekday from 9 a.m. to 5 p.m. at (855) 968-5736. We’ve even got a unique quoting tool if you are looking for basic life insurance coverage, or if you want information on the Aflac Dental Plans and Aflac Cancer Insurance, we’ve got you covered there too.  

What is Accident Insurance?

Accident insurance is a specific life insurance policy that helps cover accident-related expenses. Depending on the policy, that can include sports-related injuries, accidentally cutting yourself with a knife, or slipping on ice. Unfortunately, accident insurance does not cover conditions that occur due to a pre-existing condition, such as arthritis or other long-term ailments. 

Accident insurance is typically supplemental insurance that you can get in conjunction with regular health insurance and should not be used as a replacement for health coverage. 

Aflac History

Aflac, originally called the American Family Life Assurance Company, was founded in 1995. They expanded their reach to 37 states within the US and Japan in the 1970s and shortened their name to Aflac in 1989. 

In the mid-1990s and 2000s, Aflac focused their charity efforts on fighting childhood cancer. They started using the iconic Aflac Duck mascot in the 2000s and created brand recognition in the US and Japan. 

How Does Aflac Accident Insurance Work?

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Once you are in an accident and receive medical treatment, you can make a claim to Aflac Accident Insurance at your earliest convenience. You do not need to give your Aflac policy information to the hospital or medical provider who treated you. 

Policyholders need to make claims online through their portal and answer a few questions about the accident they were in. They will also be asked to provide any doctor or hospital information so that they can verify the treatment given by a provider. Once everything is confirmed with your policy, Aflac will directly deposit money into the policyholders’ bank account that can be used for copays, deductibles, or other external expenses. 

Aflac Accident Insurance Plans

Currently, Aflac Accident Insurance has two plans: a Standard Plan that starts at a $25 monthly premium per individual and an Elite Plan that starts at a $37 monthly premium per individual. 

These plans will cover the same kinds of events. However, with the Elite Plan, you will get more coverage on some benefits. Aflac’s Accident Insurance is available in all states except NH, NJ, NM, NY, OR, and VA.

Here’s how it breaks down: 

Aflac Accident Payout Chart

Benefit Standard Plan Elite Plan
Hospital Admission
$1,000 when admitted for at least 18 hours; $1,500 when admitted directly to an intensive care unit for a covered accident.
$1,000 when admitted for at least 18 hours; $1,500 when admitted directly to an intensive care unit for a covered accident.
Hospital Confinement
$350 per day up to 365 days per covered accident
$500 per day up to 365 per covered accident
ICU Confinement
$500 per day for up to 15 days per covered accident
$800 per day up to 15 days per covered accident
Accident Treatment
$60 for two visits per calendar year for an ER/Urgent Care/Physician’s Office visit. If you have a family plan, it’s increased to four.
$120 for two visits per calendar year for an ER/Urgent Care/Physician’s Office visit. If you have a family plan, it’s increased to four.
Ambulance
$150 for ground transportation, $1,000 for air transportation
$200 for ground transportation, $1,500 for air transportation
Follow Up Treatment
$30 for one treatment per day (up to 6 treatments)
$50 for one treatment per day (up to 6 treatments)
Medical Appliances
  • Back Brace: $250
  • Body Jacket: $250
  • Cane: $25
  • Crutches $50
  • Knee Scooter: $250
  • Leg Brace: $75
  • Walker: $50
  • Walking Boot: $50
  • Wheelchair: $250
  • Back Brace: $300
  • Body Jacket: $300
  • Cane: $25
  • Crutches: $50
  • Knee Scooter: $300
  • Leg Brace: $125
  • Walker: $100
  • Walking Boot: $100
  • Wheelchair: $300

 
Accidental Injuries
  • Dislocation: $75-$3,000
  • Burns: $100-$10,000
  • Fractures: $100-$3,500
  • Coma: $10,000
  • Surgical Procedures: $175-$1,000
  • Dislocations: $100-$3,750
  • Burns: $125-$12,500
  • Fractures: $125-$4,500
  • Coma: $12,500
  • Surgical Procedures: $200-$1,250
Accidental Death
  • Accident: $25,000 for the Insured/Spouse or $10,000 for a child
  • Hazardous-Activity Accident: $10,000 for the Insured/Spouse or $5,000 for a child
  • Common-Carrier Accident: $100,000 for the Insured/Spouse or $15,000 for a child
  • Accident: $25,000 for the Insured/Spouse or $10,000 for a child
  • Hazardous-Activity Accident: $10,000 for the Insured/Spouse or $5,000 for a child
  • Common-Carrier Accident: $100,000 for the Insured/Spouse or $15,000 for a child

Note: Exact payouts will depend on your insurance policy. Every state is different, so read your policy carefully to see what you will get.

Aflac Accident Insurance Death Benefit Rider

An insurance rider is an additional benefit if you pay extra on your monthly premium. The Aflac Accident Insurance has one rider: the death benefit. Available to applicants between 18 and 70, the Accidental Death Benefit Rider is an additional benefit on top of the base policy. Here’s how it breaks down for each plan level: 

Standard Plan Elite Plan
Monthly Premium Cost
$6
$12
Common-Carrier or Other Accidental Death
  • Insured: $50,000
  • Spouse: $50,000
  • Child: $10,000
  • Insured: $100,000
  • Spouse: $100,000
  • Child: $20,000

Aflac Accident Insurance Reviews

Third-Party Reviews

BBB

The Better Business Bureau (BBB) is an organization that gives us information on customer satisfaction and company health. They also provide a rating of A+ to F, and the BBB has given Aflac an A+, the highest rating. 

However, the BBB has noted that Aflac’s customer review rating averaged 1.12 out of 5 with 604 complaints closed in the last three years. This is an abnormally high number for the BBB. 

NAIC

The National Association of Insurance Commissioners (NAIC) evaluates insurance providers based on the number of customer complaints a company receives on their Complaint Index. The average rating is 1, and any number above 1 has more complaints than the national average. 

The complaint index rating for Aflac is 26.05 — an abnormally high number of complaints. 

AM Best

AM Best is a credit rating agency that evaluates the financial health of insurance companies. They use a scale from A+ to F to show a company’s security. Aflac received an A+, which is the highest score from AM Best. 

Customer Reviews

I may be one of the few who have never had issues with Aflac. I’ve had them since 2018. I have several policies with them, and I must say they have always done a great job. I do miss the quick pay turnaround times, but otherwise, my claims get processed and completed. I always get great customer service as well. Like I said, I may be one of the lucky ones. They have been great to me, and I hope it continues. 

Clemustine “Clem” Sinack

Shantelle Derico helped me right away after i told her that i have been on the phone for the last 3 days for a hour a day and still didnt get any answers. She explained everything to me was not rushing to get off the phone and even followed up with a email. She has been the best rep that i have delt with so far

Ashley Lyde

Great company! Good, friendly staff. I’ll probably be a member forever.

A woman sitting at a desk. Her right arm is rest on the desk and the left arm in on her chin. There is a computer in front of her.

OA

Pros & Cons of the Aflac Accident Insurance Plans

Pros

  • No Waiting Period or Medical Questions
    Anyone 18 to 75 (or 18 to 64 in CA and MA) can get a policy with no waiting period. Most states will ask you three questions for eligibility, but no medical questions are involved. 
  • 24/7 Coverage — On & Off the Job
    If you work a blue-collar job or have a risky hobby, Aflac Accident Insurance will protect you in all situations.
  • The Optional Death Benefit Rider Can Provide Financial Stability to Loved Ones
    Aflac’s Accident Insurance has a death benefit rider that can provide more reassurance to loved ones if you pass away in an accident. 
  • Aflac is in Good Financial Standing
    According to the third-party reviews, Aflac is in good financial standing to help with all the claims you submit. 

Cons

  • Not Available in Every State
    Aflac Accident Insurance is unavailable in NH, NJ, NM, NY, OR, or VA. 
  • Some Plans Have Limitations Based On Your Policy
    The amount you receive or how many times you can claim an accident will differ between policies. Read through your policy carefully to see what’s covered. 

Conclusion

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Aflac Accident Insurance is an excellent option for additional coverage that regular life insurance might not cover. With no waiting period and 24/7 coverage, you can keep yourself covered when life insurance won’t pay. If you’re unsure if Aflac Accident Insurance is right for you, speak to one of our agents, and we will be happy to help you determine your insurance needs. 

Our talented agents are available every weekday from 9 a.m. to 5 p.m. at (855) 968-5736. We’ll help you find the right insurance for you, your budget, and your family. Our agents are experts at navigating the complicated ACA Marketplace and more. We also have a free, unique quoting tool that accurately estimates the healthcare plans available on the Marketplace. 

Frequently Asked Questions

How Much Does Aflac Accident Insurance Pay?

Aflac Accident Insurance pays a specific amount depending on the accident that occurred. Read through your policy or check out our Aflac Accident Payout Chart section to see estimates on what is covered. 

Can You Get Aflac Accident Insurance If You Have Workers' Comp?

Yes, you can have both Aflac Accident Insurance and Workers’ Comp simultaneously. 

How Does Aflac Accident Insurance Work?

You can make a claim on Aflac Accident Insurance online. You just need to answer a few questions on their portal and provide the doctor or hospital information so they can verify the treatment given. 

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