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Accident insurance can offer financial support if you suffer an unexpected injury. Aflac offers accident insurance coverage that can be a great addition to anyone’s supplemental insurance coverage (additional coverage can for expenses not covered by your primary insurance plan). Here’s what accident insurance is, what this type of plan covers, and the benefits it offers.
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Accident insurance is a supplemental policy that can help provide support amidst life’s most unexpected moments, since it’s not uncommon for health insurance to leave you with high out-of-pocket costs. This plan works with your primary medical insurance plan to help with expenses that can accompany an unexpected covered accidental injury.1 Keep in mind that one must typically own a major medical plan to access supplemental accident insurance.
Aflac’s accident insurance plan for individuals and families helps cover treatments and procedures needed to restore your health after an emergency situation or more common accident. There can be a great deal of treatment fees that exist outside of hospital bills. Aflac pays you cash benefits directly (unless assigned), which can be used however you see fit. If you have additional questions about what accident insurance covers, you can always reach out to an Aflac agent for more information. Plans have limitation and exclusions.
Like many of Aflac’s supplemental insurance plans, accident insurance costs are relatively low and fit into most budgets. For example, a broken arm or leg can cost thousands of dollars.2 Your major medical insurance plan may pay for a certain percentage of treatments and services required, but not all. Applying for an accident insurance plan at a low monthly cost can help offset any out-of-pocket costs you may be expected to pay after a covered accident occurs.
Accident insurance coverage offers a variety of advantages, including:
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedNow that you know how accident insurance works, you may be wondering whether it’s right for you. Here are some instances where getting a policy may make sense:
If you decide to get an accident insurance policy, it’s important to understand how filing a claim works. Here are the steps you should take:
With accident insurance, you can receive the financial protection you need in case you suffer an injury. Now that you have a better idea of what accident insurance helps cover, you may want to explore Aflac accident insurance more in-depth. We offer supplemental accident coverage for individuals and families that you can purchase directly. Chatting with an agent and getting a quote can help you visualize the entire process.
Get Started
Accident insurance helps cover costs if you suffer an accidental injury. Learn what accident insurance is and how to get this supplemental insurance plan.
Voluntary accident insurance is a plan offered by employers that can help cover injury-related costs. Learn more about what voluntary accident insurance is.
Accident insurance helps cover costs if you suffer an accidental injury. Learn what accident insurance is and how to get this supplemental insurance plan.
Voluntary accident insurance is a plan offered by employers that can help cover injury-related costs. Learn more about what voluntary accident insurance is.
1 GoodRX - What Is Accident Insurance and Is It Worth It? Updated September 20, 2023. Accessed February 27, 2025. https://www.goodrx.com/insurance/health-insurance/what-is-accident-insurance.
2 HealthCare.gov – Why health insurance is important. Accessed February 27, 2025. https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Accident, A36000 series: In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA.
Coverage underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
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