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26% of U.S. adults (18-64) say someone in their household had problems or inability to pay medical bills in the past year.1

Hospital Insurance

Aflac hospital insurance can help your clients’ employees be better prepared for unexpected hospital expenses not covered by their major medical coverage, which can prevent high deductibles and out‐of‐pocket expenses from derailing their life plans.

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No Medical Questions

Guaranteed‐issue is available for select products, which means no underwriting questions.

May not be available in all states

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Customizable Add-Ons

Customizable benefit options designed to meet your clients' needs.

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HSA-Compatible Options

Offer a pre-tax saving account to supplement a variety of high deductible health plans.

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Here's how it works.2

Medical expenses don’t always come from an accident or critical illness; sometimes it starts with a visit to an urgent care clinic because of a sharp pain in the side. While health insurance typically covers some of the expense, your clients' employees will likely be responsible for a portion of the bill. Aflac Choice helps with those unexpected hospital expenses that may not be covered by health insurance. That way, your clients' employees may not have to sacrifice their vacation budget for those unexpected medical costs.

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Trouble strikes.

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The policyholder suddenly experiences a sharp pain in their side and goes to an urgent care clinic, where they’re diagnosed with appendicitis.
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The policyholder is in the ER.

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Aflac helps take the sting out.

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Policyholder gets their money fast.

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Choice 1


Aflac Choice Policy

Choice 2


Policy + Hospital Stay
and Surgical Care Rider

Choice 3


Policy + Extended
Benefits Rider

Choice 4


Policy + Both Riders

Insurance, explained.

Don’t play games with your health.

Aflac hospital insurance helps cover medical expenses resulting from a covered hospitalization.

Don’t play games with your business.

Aflac hospital insurance helps protect your employees from unexpected medical bills due to a covered hospitalization.

How could an asthma diagnosis impact your lifestyle?

The average cost of a first time asthma attack is $11,285.3

After major medical coverage, you could still owe $4,514 in out-of-pocket medical expenses not covered by your insurance.4

What could a first time asthma attack cost you?

11Music Festivals
(Based on the AVG Annual Cost of $400.00) 5

music festival

19Months of Gym Membership
(Based on the AVG Monthly Cost of $235.00) 6

fitness gym

3Ski Trips in Utah
(Based on the AVG Cost of $1,707.00) 7

ski trip
No direct cost to employers,

and affordable weekly rates as low as the cost of a "Get Well Soon"card.8

Aflac duck with get well soon card