Accident Insurance

Benefit Overview

The Aflac Group Accident Insurance plan provides financial protection in the event of a covered accident. It helps offset unexpected medical and personal expenses such as emergency treatment, hospitalization, transportation, and recovery costs. Cash benefits are paid directly to you—unless otherwise assigned—and can be used in any way you choose.

Available to full-time employees who elect voluntary coverage during open enrollment. Coverage is also available for eligible spouses and dependent children under age 26.

Key Details

This plan pays cash benefits for covered accidents and related medical care, regardless of any other insurance coverage.

Covered Benefit	Benefit Amount
Initial Treatment (within 7 days)	Emergency Room: $300 with X-ray / $200 without Urgent Care: $300 with X-ray / $200 without Doctor’s Office: $250 with X-ray / $150 without
Ambulance Transportation	$300 Ground / $1,000 Air
Major Diagnostic Testing (CT, MRI, EEG)	$200
Fractures	Up to $4,000 based on schedule
Dislocations	Up to $3,000 based on schedule
Burns	$50–$10,000 depending on severity and body surface area
Concussion / Traumatic Brain Injury	$500 / $2,500
Coma (lasting 30+ days)	$5,000
Hospital Admission / Confinement	$1,000 per admission / $200 per day up to 365 days
Hospital Intensive Care	$200 per day (max 30 days)
Dismemberment	$10,000 (single loss) / $20,000 (double loss) / partial losses $100–$500
Accidental Death	$25,000 Employee / $12,500 Spouse / $6,250 Child
Common-Carrier Death (e.g., plane, train, bus)	$50,000 Employee / $25,000 Spouse / $12,500 Child
Organized Athletic Activity Rider	20% additional benefit for covered injuries during organized sports

For more information, please refer to the Documents section below.

How It Works

If you or a covered family member experiences a covered accident, the plan provides lump-sum payments for qualifying treatments or services. Benefits are paid directly to you, allowing flexibility in how you use them—whether for medical costs, transportation, lodging, or everyday bills during recovery.

Common Covered Events

Ambulance transportation (ground or air)
Emergency room visits and urgent care treatment
Fractures, dislocations, and burns
Surgery (inpatient or outpatient)
Hospital admission, confinement, or intensive care
Follow-up treatment and rehabilitation services
Accidental death and dismemberment

Additional Highlights

Benefits are paid in addition to any other insurance coverage.
Cash payments can be used for medical or non-medical expenses.
Coverage continues as long as premiums are paid.
Family coverage options are available for spouses and children.

Who This Benefit Is For

This plan is ideal for employees who want extra peace of mind and financial protection in case of accidental injuries that could impact income or create unexpected costs.

Documents