Protect your employees with cash to cover their bills in the event of sickness or injury. And now they can get their claims paid the next day.
Give your employees portable coverage options, so they can take the plan with them if they change jobs or retire.
Give your employees the options of treatment-based benefits that pay over time or lump-sum benefits paid upon initial diagnosis.
Policyholder suffers from frequent infections and high fevers.
Physician visit & bone marrow biopsy reveals diagnosis of leukemia.
Policyholder submits via Aflac SmartClaim® by 3pm and receives benefits in just a day.
Payable to: Policyholder
$35,175
and affordable weekly rates as low as a gallon of milk.3
† One Day Pay SM available for most properly documented, individual claims submitted online through Aflac SmartClaim® by 3PM ET. Aflac SmartClaim® not available on the following: Disability, Life, Vision, Dental, Medicare Supplement, Long Term Care/Home Health Care, Aflac Plus Rider, Specified Disease Rider and Group policies. Aflac processes most other claims in about four days. Processing time is based on business days after all required documentation needed to render a decision is received & no further validation and/or research is required. Individual Company Statistic, 2016.
1Middle-Income America's Perspectives on Critical Illness and Financial Security, Washington National Institute for Wellness Solutions, April 2013.
2The above example is based on a scenario for Aflac Cancer Care – Classic (domicile state) that includes the following benefit conditions: Physician visit (Cancer Wellness Benefit) of $75, bone marrow biopsy (Surgical/Anesthesia Benefit) of $125, NCI Evaluation/Consultation Benefit of $500, Initial Treatment Benefit of $4,000, venous port (Surgical/Anesthesia Benefit) of $125, Injected Chemotherapy Benefit (10 weeks) of $6,000, Immunotherapy Benefit (3 months) of $1,050, Anti-nausea Benefit (3 months) of $300, Hospital Confinement Benefit (10‐week hospitalization) of $22,000, Blood/Plasma Benefit (10 transfusions) of $1,000. Benefits may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a “How It Works” scenario customized for your state.
A78000 SERIES, CANCER CARE
In Arkansas, Policies A78100AR-A78400AR. In Idaho, Policies A78100ID–A78400ID. In New York, Policies NY78100–NY78400. In Oklahoma, Policies A78100OK– A78400OK. In Oregon, Policies A78100OR–A78400OR. In Pennsylvania, Policies A78100PA¬–A78400PA. In Texas, Policies A78100TX–A78400TX. Policies may not be available in all states. The policies have limitations and exclusions that may affect benefits payable. Refer to the policies for complete details, limitations, and exclusions. For costs, complete details of the coverage and for policies available in your state, please contact your local Aflac agent.
Limitations and Exclusions for residents of Arizona:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for:
Limitations and Exclusions for residents of Idaho:
We pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity. The policy contains a 30-day waiting period. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before his or her coverage has been in force 30 days, benefits for treatment of that Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium. The Initial Diagnosis Benefit is not payable for:
Limitations and Exclusions for residents of New Jersey:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered) or complications of any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for the diagnosis of Nonmelanoma Skin Cancer. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.
3Assumes the average cost of a gallon of whole fresh milk is $3.48*. Comparison is based on the average weekly premium for Aflac Preferred Cancer Care Policy Series A78100; Individual/One-Parent Family ages 18-75. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Bureau of Labor Statistics, March 2015.
