Aflac hospital indemnity insurance pays you cash when you are admitted to a hospital. One Aflac plan lets you pick a $500, $1,000, $1,500, or $2,000 admission benefit. Riders can add daily and ICU benefits. However, pre-existing limits and waiting periods apply, so read the details before you buy.
- Aflac hospital indemnity pays cash directly to you for covered stays.
- One Aflac plan offers $500 to $2,000 admission benefits.
- Riders can add daily confinement, ICU, and surgery benefits.
- Pre-existing conditions are excluded for the first 12 months.
- The policy is guaranteed renewable for life.
How Aflac Hospital Indemnity Insurance Works
Aflac hospital indemnity insurance pays a set cash amount when you are admitted for a covered stay. The money goes to you, not the hospital. So you can use it for a deductible, rent, or groceries.
It works alongside your health plan and does not replace it. See our Aflac supplemental insurance page for all Aflac products. Questions? Call 888-730-6031.
Sample Aflac Hospital Indemnity Benefits
Aflac sells several hospital plan options, and benefits vary by state. One Aflac Choice Hospital Confinement Indemnity brochure lists these sample amounts.
| Benefit | Sample amount |
|---|---|
| Hospital confinement | $500, $1,000, $1,500, or $2,000, once per year |
| Hospital emergency room | $200, twice per year |
| Short stay under 18 hours | $100, twice per year |
| Rehabilitation facility | $100 a day, up to 15 days per stay |
| ICU rider | $500 a day, up to 30 days |
| Daily confinement rider | $200 a day, up to 365 days |
Your plan may pay different amounts. An agent can show the exact schedule for your state at 888-730-6031.
Aflac Hospital Riders
Riders let you add benefits to the base plan. For example, a surgery rider can pay $50 to $1,000 by procedure. Meanwhile, an extended benefits rider can add physician visits, lab tests, and ambulance benefits.
Each rider raises the premium. So add only the riders that match your risks. Read is hospital indemnity insurance worth it for break-even math.
Waiting Periods and Pre-Existing Conditions
- Pre-existing conditions. Care for these is excluded for the first 12 months.
- New family members. Sickness benefits for added people wait 30 days.
- Elective surgery. Excluded during the first 12 months.
- Exclusions. Cosmetic surgery, most dental care, and self-inflicted injury.
Rules differ by state and plan, so read the outline of coverage before you buy. Our hospital indemnity insurance FAQs explain these rules in plain English.
Renewability and Rates
Aflac hospital indemnity policies are guaranteed renewable for life, as long as you pay on time. Therefore, claims cannot end your coverage.
Rates can change, but only for everyone with the same form and class in your state. Questions about pricing? Call 888-730-6031 for a quote.
Aflac Hospital Indemnity vs. Other Hospital Plans
| Feature | Aflac Choice Hospital | UnitedHealthcare HospitalWise | ManhattanLife Hospital Indemnity Select |
|---|---|---|---|
| How it pays | Admission benefit plus riders | $1,000 a day | One-day or multi-day benefit |
| Health questions | Varies by plan | None, ages 18 to 64 | Guaranteed issue at 64½ to 70 |
| Benefit range | $500 to $2,000 admission | Up to 10 days | $50 to $10,000 by age |
| Rate method | By form and class | By age and state | Issue-age rates |
Each plan fits a different need. For instance, HospitalWise skips health questions for younger adults. See our hospital indemnity insurance page for more options.
Who Should Consider Aflac Hospital Indemnity?
- People on high-deductible plans who want cash for a stay.
- Short-term plan members. See supplemental insurance with a short-term plan.
- Families who want ER and short-stay benefits too.
- People who value a well-known brand and flexible riders.
For a broader view, read our guide to supplemental coverage options. You can also browse our Aflac insurance FAQs.
An Example: A Three-Day Stay
Here is how sample benefits might add up. Lisa chooses the $1,000 admission benefit and adds the daily confinement rider. Then pneumonia puts her in the hospital for three days.
| Benefit | Sample amount |
|---|---|
| Hospital confinement benefit | $1,000 |
| Daily confinement rider, 3 days at $200 | $600 |
| Total paid to Lisa | $1,600 |
This example uses one brochure's sample amounts and is not a real claim. Still, it shows how the base benefit and riders combine. Meanwhile, her health plan pays the hospital as usual.
How to File an Aflac Hospital Claim
First, keep your admission and discharge papers. Next, file the claim with Aflac online or by mail. Then Aflac pays the scheduled amount, usually by direct deposit.
Because benefits are fixed, there is no review of the hospital bill itself. Read how long health insurance claims take for timing tips. Questions? Call 888-730-6031.
Pros and Cons of Aflac Hospital Indemnity
Every plan has strengths and limits. Here is a quick summary.
| Pros | Cons |
|---|---|
| Choice of $500 to $2,000 admission benefits | 12-month pre-existing limit |
| Flexible riders | Admission benefit pays once per year |
| ER and short-stay benefits | Riders add cost |
| Guaranteed renewable for life | Benefits vary by state |
Overall, Aflac hospital indemnity fits people who want a known brand and flexible riders. Still, compare it with guaranteed issue options if you have health history.
How to Buy Aflac Hospital Indemnity Through Vivna
Vivna is an independent agency that offers Aflac products. First, an agent confirms which Aflac hospital plans sell in your state. Next, you compare Aflac with UnitedHealthcare and ManhattanLife plans. Then you can enroll on the same call.
Comparing carriers helps you find the best value. Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern.
Aflac Hospital Indemnity: FAQs
How much does Aflac hospital indemnity pay?
One Aflac plan pays a $500 to $2,000 admission benefit, plus optional riders.
Does Aflac hospital indemnity cover pre-existing conditions?
Not for the first 12 months after your effective date.
Does Aflac pay for ER visits?
One Aflac hospital plan pays $200 for an ER visit, twice a year.
Can I add my family?
Yes. Aflac offers individual and family coverage types.
Can Aflac cancel my hospital policy?
No, as long as you pay on time. It is guaranteed renewable for life.
Does Aflac hospital indemnity replace health insurance?
No. It pays cash alongside your medical plan.
Does Aflac hospital indemnity pay for mental health stays?
One sample plan pays a separate mental illness facility benefit. However, rules vary by state, so check your plan.
How long does an Aflac hospital claim take?
Many clean claims pay within a few weeks. Meanwhile, complete discharge papers speed things up.
Is Aflac hospital indemnity good with a short-term plan?
Yes. Similarly to other hospital plans, it helps cover the high deductible on a short-term plan.
Can I pick a smaller admission benefit to save money?
Yes. For example, the $500 option costs less than the $2,000 option, though it pays less.
Does Aflac pay for rehab after a stay?
One sample plan pays $100 a day for up to 15 days in a rehab facility.
Can I add riders later?
Rider rules vary by state. Ask an agent before you apply, since adding them at the start is easiest.
A licensed Vivna agent can quote Aflac and more on one call. Call Monday through Friday, 9am to 6pm.
Next Steps for Aflac Hospital Indemnity
Check which Aflac hospital plans sell in your state. Then compare the admission benefit and riders 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 gap health insurance.
Sources
- Aflac: Choice Hospital Confinement Indemnity brochure
- UnitedHealthcare: Hospital insurance and hospital indemnity
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
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More local help: the Georgia health insurance guide, plus guides for Florida, Texas, North Carolina and every state we serve.
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