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Aflac Accident Insurance offers broad post-accident treatment and therapy coverage
COLUMBUS, Ga., Feb. 24, 2025 /PRNewswire/ -- Recognizing that accidents can happen anytime, anywhere and to anyone, Aflac Incorporated, a leading provider of supplemental health insurance in the U.S., announced today the launch of its latest individual Aflac Accident Insurance product to help provide financial peace of mind when facing a covered accident.
The new Aflac Accident Insurance plan provides policyholders with cash benefits* after a covered accident, including health services such as ambulance, ER, urgent care, physical therapy, mental health therapy and more. The product is available in 32 states and provides a variety of coverage types that appeal to consumers in all life stages. A primary feature of the new product is how it nearly doubles coverage for follow-up care treatments, including broadening treatment care to include mental health benefits when an accident occurs. The enhancements also provide increased preventive care, designed to promote overall health and wellness.
Besides the physical pain, the financial impact from treating accidents can be just as hurtful and costly. The 2025 Aflac WorkForces Report shows that 51% of American employees could not pay $1,000 out-of-pocket in the event of an unexpected illness or injury. Nearly 22% said they could not cover $500. Aflac's new Accident Insurance plan is designed to help consumers and their families become better prepared to address many of the everyday expenses that health insurance doesn't cover when an accident occurs.
"Accidents happen, and when they do, Aflac can assist in easing the financial pain by helping to mitigate the costs associated with unanticipated medical bills and more. We want policyholders to make a full recovery, which means providing innovative benefits to help them deal with the physical, mental and emotional challenges they may face following an accident," explained Aflac Senior Vice President, Chief Actuary Tom Morey. "Consumers are seeking a more holistic, simpler approach to their health care and health insurance, which is why we believe that the Aflac Accident Insurance plan will generate a great deal of interest with our current and future policyholders."
Key benefits include:
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Nearly doubled benefits — Out-of-pocket expenses increase with the severity of an accident, so this new plan nearly doubles benefits related to post-accident medical care visits per covered accident based on policyholder need.
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New innovative benefits such as built-in building benefits for hospital and ICU confinement — Benefit levels increase each year the policyholder continues to pay premiums, up to five years, providing greater value for persistent customers.
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Enhanced benefits for common accident outcomes — Improved benefits address common accidents like fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries, surgical procedures and more.
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Line of duty benefit rider — Designed for first responders, this rider provides an additional $10,000 if injured in the line of duty (additional requirements apply).