Did you know 4 out of 5 Americans qualify for a $0 Health Plan?

Contact an Agent Today at (855) 968-5736

A duck taking a sip of water from a pond. The Health Care Plan Quotes logo is on the top right of the image with the words "Aflac Critical Illness Insurance Review" below it.

Why Aflac Critical Illness Insurance Policies Are a Good Idea

Table of Contents

Aflac Critical Illness Insurance is a supplemental insurance that helps cover sudden illnesses or events that insurance might not insure. But what exactly needs to happen for the payout to be received? Can anyone get this insurance policy? How much are the monthly premiums? We’ll answer all your questions and more.  

Plus, we have information on all the Aflac supplemental insurance policies like the Aflac Dental Insurance, Aflac Cancer Policy, and Aflac Accident Insurance. We even have talented agents on standby to discuss all the options you should consider adding to your healthcare policy. Call us at (855) 968-5736, and we will help you find the best insurance for your needs and budget. 

If you’re looking for general health insurance, we even have a free quoting tool that can give you an accurate estimate on ACA Marketplace plans. 

What is Critical Illness Insurance?

A young man on a hospital bed talking to a doctor and nurse.

Critical Illness Insurance is a supplemental insurance that offers a payout when you are diagnosed or experience a sudden illness. Once you receive an applicable diagnosis, you will receive a lump sum payment that can be used to pay copays, deductibles, rent, groceries, and more. 

Each insurance policy has different ideas of what “critical illness” entails, but we will show you exactly how Aflac defines the term and some rider benefits that you can add. 

Aflac History

Originally called the American Family Life Assurance Company, Aflac was founded in 1955. They expanded their reach to 37 US states and Japan in the 1970s and shortened their name to Aflac in 1989. 

Aflac focused its charity efforts on fighting childhood cancer in the mid-1990s and 2000s, around the same time they started using their iconic Aflac Duck mascot. 

How Does Aflac Critical Illness Insurance Work?

Once you are diagnosed with a critical illness or experience one of the traumatic events Aflac covers, you can file an online claim through their portal. Benefits are directly deposited into your bank account and can be used for copayments, deductibles, or any other expenses you could incur while dealing with the aftermath. Payment is based on the diagnosis received, not the treatment you get. 

Here are the critical illnesses that the Aflac Critical Illness Insurance covers: 

  • Heart Attack/Sudden Cardiac Arrest
  • Stroke
  • End-Stage Renal Failure
  • Paralysis
  • Coma
  • Bone Marrow Transplant
  • Major Human Organ Transplant
  • Internal Cancer (optional)

Aflac Critical Illness Insurance Plans

Currently, there are four plans you can grab through the Aflac Critical Illness Insurance. Each plan covers the same critical illnesses, but they increase in value with an increase in monthly premiums. You can purchase a plan if you are 18 to 69 (or 18 to 64 in California, Massachusetts, and North Carolina). Dependent children are covered until they turn 26

Plans are unavailable in Idaho, New Hampshire, New Jersey, New Mexico, and New York. Here are the benefits you will get with each plan: 

Benefit $10,000 Plan ($10-$35/month) $15,000 Plan ($12-$45/month) $20,000 Plan ($13-$55/month) $25,000 Plan ($14-$68/month)
Initial Diagnosis
$10,000 Payable Once Per Person, Per Lifetime
$15,000 Payable Once Per Person, Per Lifetime
$20,000 Payable Once Per Person, Per Lifetime
$25,000 Payable Once Per Person, Per Lifetime
Recurrence/ Separate Event
50% ($5,000) of the initial diagnosis benefit amount shown in the policy schedule. No lifetime maximum.
50% ($7,500) of the initial diagnosis benefit amount shown in the policy schedule. No lifetime maximum.
50% ($10,000) of the initial diagnosis benefit amount shown in the policy schedule. No lifetime maximum.
50% ($12,500) of the initial diagnosis benefit amount shown in the policy schedule. No lifetime maximum.
Cardiac Procedure
25% ($2,500) of the Initial Diagnosis Benefit Amount
25% ($3,750) of the Initial Diagnosis Benefit Amount
25% ($5,000) of the Initial Diagnosis Benefit Amount
25% ($6,250) of the Initial Diagnosis Benefit Amount
Yearly Benefit Increase (stops at $5,000 or when paid out)
Up to $500 accrued annually, payable one time, per lifetime
Up to $500 accrued annually, payable one time, per lifetime
Up to $500 accrued annually, payable one time, per lifetime
Up to $500 accrued annually, payable one time, per lifetime

Prices will heavily depend on your location and age. 

Aflac Critical Illness Insurance Eligibility

Before you can grab Aflac Critical Illness insurance, you must answer some underwriting questions. None of the questions will ask about your weight, height, or family history. However, some questions will make you ineligible for this insurance policy

You will be deemed ineligible for a $10,000 policy if you have been hospitalized for three or more consecutive days in the last 12 months

For Critical Illness Insurance policies of $15,000 or more, a few more questions can make you ineligible for the insurance policy. Here are just a few of the things that can make you miss out on these policies: 

  • Being in a hospital or emergency room for more than 24 hours for sickness (excluding influenza or pneumonia) in the last 12 months
  • Any condition for which surgery or any other medical procedure has been planned or the possibility has been discussed with a member of the medical profession.
  • Diabetes before age 30
  • Diabetes (at any time) and used tobacco after diagnosis
  • Chronic Obstructive Pulmonary Disease (COPD)

Each plan is different, so answer any questions honestly or contact one of our agents at (855) 968-5736. They will show you exactly what plans you can get and the best plans for your budget. Our agents are experts at navigating all kinds of supplemental and health insurance policies and are available every weekday from 9 a.m. to 5 p.m.

Aflac Critical Illness Insurance Riders

You can add two kinds of insurance riders to your Aflac Critical Illness Insurance. These riders will not add any additional questions to your underwriting, and availability will depend on the location and age of the applicant. 

Here are the two riders you can grab: 

  • Hospitalization Benefit Rider ($2-$6/month)
    • Hospitalization: $150/day
    • ICU: $300/day
    • Ambulance ($200 ground/$2,000 air)
    • Transportation (within 50 mi of your home)
      • Bus, Trolley, Boat, Personal Car, Rental, or Taxi: $100 round trip
      • Common Carrier: $500 round trip
      • Dependent Child: $100 round trip
    • Lodging: $65/night
    • Continuing Care: $50/day
  • Recovery Benefit Rider ($2-$4/month): pays an additional $500/month for up to three months to recover after a covered critical illness event. Covers both initial diagnosis and subsequent events. 

Who Should Get Aflac Critical Illness Insurance?

Two doctors smiling at each other with a patient on a hospital bed. The patient is looking up at the doctors and smiling.

You should get Aflac Critical Illness Insurance if you have a family history of heart attacks, strokes, or have a perceived risk of those illnesses. Also, you should consider picking up a policy if you have elevated health concerns such as obesity or nicotine and tobacco usage

If you still aren’t sure about your need for critical illness insurance, call one of our agents at (855) 968-5736. We are ready to find the most affordable health insurance options based on your needs

Aflac Cancer Policy Reviews

Third-Party Reviews

BBB

The BBB, or Better Business Bureau, is a non-profit organization that provides information on a company’s health and measures its customer satisfaction. They give companies 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 of complaints. 

NAIC

The National Association of Insurance Commissioners (NAIC) evaluates insurance providers based on the number of customer complaints a company receives on its Complaint Index. The average rating is 1, and numbers above 1 mean that the company receives more complaints than the national average.  Aflac’s complaint index rating 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

  • Benefits Increase By $500 Yearly
    Once you purchase your policy, your benefits will increase by $500 yearly. However, once the policy is paid out, it stops building since it is only payable once per lifetime. 
  • Cheap Riders For Hospitalization & Recovery Benefits
    Hospitalization and Recovery Benefit Riders start at around $2 (depending on your state and age), which is relatively cheap when compared to other insurance riders we’ve seen. 
  • Relatively Cheap Premiums for Coverage
    Plans for non-tobacco users are relatively cheap. 

Cons

  • Not Available in Every State
    Unfortunately, you can’t get this policy in ID, NH, NJ, NM, or NY. 
  • Underwriting Questions Can Make You Ineligible
    Depending on the amount of coverage you want, you will have to answer more underwriting questions that can make you ineligible for these policies. 

Conclusion

A woman lying down on a hospital bed with a doctor standing beside the bed. Both are holding a thermometer between them.
Aflac Critical Illness Insurance is a great option for those concerned about health concerns. Aflac is in great financial health, meaning you will receive a payout when you experience any critical illnesses they cover. Life’s unexpected medical expenses can be challenging if you are unprepared to take on those costs, but critical illness insurance helps curb those costs

If you’re unsure if critical illness insurance is right for you, our informative agents are ready to discuss your health insurance needs. Call us at (855) 968-5736 every weekday from 9 a.m. to 5 p.m., and we will help find the best insurance for you and your budget. We also have a free, unique quoting tool that estimates the healthcare plans available on the Marketplace. 

Frequently Asked Questions

How Does Aflac Critical Illness Work?

When you receive one of the diagnoses, you must submit a claim through their online portal, and the money will be deposited into your account. 

What Does Aflac Critical Illness Cover?

Aflac Critical Illness Insurance covers several different illnesses. Here’s what each policy covers:

  • Heart Attack/Sudden Cardiac Arrest
  • Stroke
  • End-Stage Renal Failure
  • Paralysis
  • Coma
  • Bone Marrow Transplant
  • Major Human Organ Transplant
  • Internal Cancer (optional)
Is Aflac Critical Illness Insurance Worth It?

Aflac Critical Illness Insurance is worth it if you have a family history of heart attacks or strokes. You should also consider critical illness insurance if you have a perceived risk due to obesity or nicotine and tobacco usage. 

Related Posts

A perfect health insurance plan created
just for you.

Enter your zip code to search Health Insurance Plans

Form with Separate Tabs

Legal

Terms of Use
Privacy Policy
Don’t Sell My Data