What is accident insurance

Individual accident insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.

When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that.

You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance:

  • Broken teeth
  • Concussions
  • Intensive care unit confinement
  • Ambulance, ground and air
  • Emergency room visits
  • Lacerations

Who should think about accident insurance?

Who should think about accident insurance?

Anyone who wants to protect a standard of living needs to consider the benefits of accident insurance. Accidents are by their very definition unpredictable, and come in many levels of seriousness. The one thing they have in common, though, is that they usually result in unexpected expenses. An Aflac accident insurance policy can give you the peace of mind that comes from knowing you're ready for life's upsets-large, small or in-between.


Why do I need accident insurance?

After an accident, you may have expenses you've never thought about before. Can your finances handle them? It's reassuring to know that an accident insurance policy can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow up treatments or physical therapy.

In addition, your regular bills, such as the mortgage or rent, car payments and utility bills don't stop when you're laid up after an accident. Aflac accidental injury benefits are paid directly to you, so you can use them to help with your normal bills as well.

Did you know?

Did you know?

  • In 2009, 38.9 million people—about 1 out of every 8—sought medical attention for an injury.*
  • About 39.4 million visits to hospital emergency departments in 2007 were due to injuries.*
  • Nine out of 10 deaths and nearly three-fourths of the medically consulted injuries suffered by workers in 2009 occurred off the job.*

*Injury Facts, 2011 Edition, National Safety Council.


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For details about a plan available from Aflac, please select your state of residence. Other plans may be available in your state.