Aflac accident insurance pays you cash after a covered injury, from an ER visit to a hospital stay. Coverage applies on or off the job on many plans. In one recent quote, the Standard plan cost about $28.56 a month for a 48-year-old in Florida. Benefits vary by state and plan, so compare options before you buy.
- Aflac accident insurance pays cash directly to you after covered injuries.
- Many Aflac accident plans cover accidents on or off the job.
- One quote showed about $28.56 a month for Standard and $42.01 for Elite.
- ER care often must happen within 72 hours to qualify.
- Aflac accident policies are guaranteed renewable for life.
How Aflac Accident Insurance Works
Aflac accident insurance is an accident-only plan. It pays set cash amounts for covered injuries and related care. The money goes to you, so you can cover bills, travel, or lost income.
It does not pay for illness. For sickness, look at hospital or critical illness coverage instead. See our Aflac supplemental insurance page for all Aflac products. Questions? Call 888-730-6031.
Sample Aflac Accident Benefits
Aflac sells several accident plan options, and benefits vary by state. One Aflac Accident Indemnity Advantage brochure lists these sample amounts for its Plan 2.
| Benefit | Sample amount |
|---|---|
| Emergency treatment | $120 per accident |
| Ground or air ambulance | $200 or $1,500 |
| Fractures | $125 to $2,500 by bone |
| Dislocations | $65 to $2,500 by joint |
| Hospital admission | $1,000, or $2,000 if admitted to ICU |
| Daily hospital confinement | $250 a day, up to 365 days |
| Accidental death, insured | $40,000, or $150,000 on a common carrier |
Your plan may pay different amounts. An agent can show the exact schedule for your state and plan at 888-730-6031.
How Much Aflac Accident Insurance Costs
In one recent quote for a 48-year-old in Broward County, Florida, Aflac accident plans priced as follows.
| Plan level | Monthly premium | Yearly premium |
|---|---|---|
| Standard | About $28.56 | About $343 |
| Elite | About $42.01 | About $504 |
Family coverage costs more, and prices vary by age and state. By comparison, UnitedHealthcare Accident ProGap priced near $7.35 for the same person. That plan reimburses costs after a $250 deductible instead of paying set amounts. Read what accident insurance covers to compare designs.
Time Limits and Rules
- ER care and ambulance usually must happen within 72 hours.
- Fractures often must be diagnosed within 14 days.
- Hospital stays and follow-up care often must start within 30 days.
- Wellness benefit on some plans pays a small amount once a year after 12 months.
Exclusions on Aflac accident plans include sickness, self-inflicted injury, and injuries while intoxicated. Read the full list before you buy. Our accident insurance FAQs explain these rules.
Renewability and Rate Changes
Aflac accident policies are guaranteed renewable for life, as long as you pay on time. In other words, Aflac cannot cancel you because of claims.
Rates can change, but only for everyone with the same policy form and class in your state. So your price will not rise because you filed a claim. Questions? Call 888-730-6031.
Aflac Accident Insurance vs. Other Accident Plans
| Feature | Aflac accident | UnitedHealthcare Accident ProGap | ManhattanLife PAID Enhanced |
|---|---|---|---|
| How it pays | Set amounts per injury | Reimburses costs after $250 | Set amounts per injury |
| Sample price | About $28.56 a month | About $7.35 a month | Quoted by age and state |
| ER benefit | Varies by plan and state | Covers costs up to the benefit | $1,500 within 72 hours |
| Coverage hours | On or off the job | Varies by plan | 24-hour or off-the-job |
Each design suits a different family. A licensed agent can compare all three for your state. See our accident insurance page for more options.
Who Should Consider Aflac Accident Insurance?
- Active families with kids in sports. See sports accident insurance.
- People on high-deductible plans who want cash for injuries.
- Workers in physical jobs who want on-the-job coverage.
- People who value a well-known brand and fixed payouts.
For a broader view, read our guide to supplemental coverage options. You can also browse our Aflac insurance FAQs.
An Example: A Broken Wrist
Here is how sample benefits might add up. Sam falls while skiing and breaks his wrist. He takes an ambulance, gets ER care, and later needs six therapy sessions.
| Benefit | Sample amount |
|---|---|
| Ambulance | $200 |
| Emergency treatment | $120 |
| Fracture benefit | Based on the bone, from a $125 to $2,500 range |
| Four follow-up visits at $35 | $140 |
| Six therapy sessions at $35 | $210 |
This example uses one brochure's sample Plan 2 amounts and is not a real claim. Still, it shows how several benefits can stack from one accident. Your plan may pay different amounts.
How to File an Aflac Accident Claim
First, get care within the plan time limits. Next, gather the ER bill, X-ray report, and therapy notes. Then file the claim with Aflac online or by mail.
Most claims pay by direct deposit once approved. Meanwhile, keep adding bills as treatment continues. Read how long health insurance claims take for timing tips.
Pros and Cons of Aflac Accident Insurance
Every plan has strengths and limits. Here is a quick summary.
| Pros | Cons |
|---|---|
| Well-known brand with fixed payouts | Higher price than some expense plans |
| On or off the job coverage | Strict care time limits |
| Guaranteed renewable for life | Benefits vary by state |
| Wellness benefit on some plans | No illness coverage |
Overall, Aflac accident insurance suits families who want simple, fixed payouts. However, budget shoppers should compare it with an expense plan.
How to Buy Aflac Accident Insurance Through Vivna
Vivna is an independent agency that offers Aflac products. First, a licensed agent confirms which Aflac plans sell in your state. Next, you compare Aflac with other accident plans side by side. Then you can enroll on the same call.
Since Vivna works with several carriers, you see more than one option. Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern.
Aflac Accident Insurance: FAQs
Does Aflac accident insurance cover sports injuries?
Usually yes, for common sports. Some high-risk activities may be excluded.
Is there a waiting period on Aflac accident insurance?
Accident benefits usually start on your effective date. Some wellness benefits wait 12 months.
Does Aflac pay me or the hospital?
Aflac pays you directly unless you assign benefits.
Can I cover my family?
Yes. Aflac offers individual, spouse, and family coverage types.
Can Aflac cancel my accident policy?
No, as long as you pay on time. The policy is guaranteed renewable for life.
Is Aflac accident insurance the cheapest option?
Not always. In one quote, a UnitedHealthcare expense plan cost less, so compare both.
Can I buy Aflac accident insurance with a short-term plan?
Yes. In fact, accident cash helps cover the high deductibles that short-term plans often carry.
Does Aflac accident insurance pay for physical therapy?
Many plans do. One sample plan pays $35 per session, up to ten per accident.
Does Aflac accident insurance cover car accidents?
Yes. Covered injuries from car accidents qualify, in addition to auto insurance.
A licensed Vivna agent can quote Aflac and more on one call. Call Monday through Friday, 9am to 6pm.
Next Steps for Aflac Accident Insurance
Check which Aflac accident plans sell in your state. Then compare their benefits and prices with other carriers.
Ready to compare? Call a licensed Vivna agent at 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern. You can also read about ER visit costs without insurance.
Sources
Supplemental plans such as hospital indemnity, accident, critical illness, and cancer insurance are limited benefit policies. They are not major medical coverage and are not minimum essential coverage. Benefits, exclusions, prices, and availability vary by plan and state. Vivna Insurance is a licensed, independent agency (NPN 19168641).
This website is operated by Vivna Insurance, not by Aflac or its affiliates. Vivna offers Aflac products as an independent, licensed insurance agency. Aflac plans are offered through licensed Vivna agents in states where coverage is available.
Related guides
Find Local Health Insurance Help
Plans, prices and help programs change by state and even by county. These local guides show what is available near you.
More local help: the Florida health insurance guide, plus guides for Georgia, Texas, North Carolina and every state we serve.
Prefer to talk it through? Call 888-730-6031 Monday through Friday, 9 a.m. to 6 p.m. Eastern, for free help from a licensed agent.
