How Much Will Aflac Pay Me?

How Much Will Aflac Pay Me? Aflac Accident Insurance

Aflac is often the first company that is thought of when thinking about extended insurance plans. Disability, accident, and illness insurance are among the many types of insurance that Aflac offers. “How much will Aflac pay me?” This is one of the most common queries from prospective insurers. Having a clear understanding of Aflac’s payment schedule will help you decide if this insurance is good for you.

When it comes to specific damages arising from a covered accident, accident-only coverage is intended to cover those insured, subject to any plan limits. Major medical, basic medical-surgical, and basic hospital costs are not covered.

The most important parts of the coverage are briefly described in this coverage outline. The actual policy provisions will be the only ones that apply. The policy itself lays out your and Aflac’s rights and responsibilities in great detail. Therefore, it is necessary that you carefully read your policy!

What will Aflac pay me for?

Injuries and Emergency Services Covered

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

Beyond treating the injury, there are a lot of other expenses that could not be covered by your basic medical policy. Ambulance rides, physical therapy, CT scans, MRIs, hospital stays, blood transfusions, and medical equipment can all be covered by Aflac. Aflac Accident Insurance

What Is the Cost of an Accident Policy?

The cost of accident insurance is minimal, particularly when you consider the long-term benefits. You can choose to pay less than the price of a box of bandages for weekly coverage of accidents! An accident policy can be purchased for the same weekly cost as home first aid.

BENEFIT OF EARLY ACCIDENT HOSPITALIZATION:

If an insured person gets taken directly to a hospital’s emergency room for treatment of accidental injuries sustained in a covered accident, Aflac will pay $1,500. Alternatively, Aflac will pay $1,000 when an addressed person is admitted for a hospital restriction of at least 18 hours for treatment of accidental injuries sustained in a covered accident. Only once each hospital isolation period—including confinement to an intensive care unit—and once every calendar year, per qualified person, is this benefit payable. Hospital confinement must begin no later than 30 days following the incident.

BENEFITS TO BLOOD, PLASMA, AND PLATES:

If a covered person needs blood, plasma, or platelets to treat accidental harm from a covered accident, Aflac will pay $100. This advantage is only payable once per covered injury, per Covered Person, and does not cover vaccines.

Benefits of Accident Follow-Up Treatment:

When a Qualified Person receives treatment for Accidental Injuries received in a covered accident and then needs additional treatment beyond what is provided in the initial 72 hours after the event, Aflac will pay $25 per day. Up to a range of six treatments per covered injury, per Covered Person, Aflac will pay for one treatment each day. Within 30 days of the approved accident or hospital release, the therapy must start. Treatments have to be taken while a physician is monitoring you. When administered by a certified, licensed acupuncturist, this perk is payable for acupuncture. On days when the Therapy Benefit is paid, the Accident Updates Benefit is not payable.

BENEFIT OF FAMILY SUPPORT:

For each day that a Covered Person is eligible for payments under the Accident Hospital Confinement Benefit, Aflac will pay $20. For every covered accident, Aflac will provide this benefit for a maximum of 30 days.

What Isn’t Covered

Insurance for health and accidents is not the same. While our accident policy is optional, major health insurance is required. When there is an emergency injury, voluntary accident insurance provides monetary compensation. The benefits of risky sports like skydiving, rock climbing, and parachuting are paid for by accident coverage. On the other hand, they advise purchasing on short-term disability insurance policy if the injury causes you to miss a significant amount of time from work. They take precautions to assist you since they are aware that sports-related injuries like strokes are widespread. A serious illness insurance coverage, however, would be a better fit if your injury causes heart attacks or strokes that alter your life significantly. Lump sum payments are used in this route.

For exact details on possible repayments, speak with an Aflac specialist or check the documentation of your policy. Kindly leave a comment below if you have any questions.

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