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Limb discomfort. Cold sweats. Nausea. Chest pain. When the symptoms hit, they know it’s time to visit the hospital.
They take an ambulance to the emergency room and the diagnosis is in: they’ve had a heart attack.
With an Aflac Lump Sum Critical Illness2 policy their benefits are paid to the policyholder directly (unless otherwise assigned).
They use cash benefits to help with medical bills, continuing care, or everyday expenses. With Aflac's help, they can worry less.
The average cost of a heart attack is $87,425.1
After major medical coverage, they could still owe $34,970 in out-of-pocket medical expenses not covered by their insurance.3
Get a Quote| Medical Expenses | $87,425 | |
| Avg. Insurance Coverage | 60% | |
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| Remaining Expenses* | $34,970 | |
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| Aflac Supplemental Coverage: | ||
| Accident | up to $0 | |
| Hospital | up to $0 | |
| Short-Term Disability | up to $0 | |
| Critical Care & Recovery | up to $0 | |
| Cancer/Specified-Disease | up to $0 |
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| Aflac pays you: | $0 | |
and affordable weekly rates as low as a gallon of milk.4
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
*The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator.
1 Heart Attack, WebMD. October 31, 2019.
https://www.webmd.com/heart-disease/guide/heart-disease-heart-attacks#1.
Costs of diagnosis and treatment(s) are based on:
Transport - Ambulance Ride (1): $366.00
Source: https://www.verywellhealth.com/why-an-ambulance-costs-so-much-4093846.
ER - ER Visit (1): $1,758.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/241.
Diagnostic - EKG (1): $1,750.00
Source: https://www.newchoicehealth.com/procedures/electrocardiogram.
Diagnostic - Coronary Angiogram: $9,027.00
Source: https://www.mdsave.com/procedures/cardiac-catheterization-with-and-without-coronary-angiogram/d785fec8.
Treatment - Cardiac Stent (3 days in hospital + HCP fees+ anesthesia) (1): $24,211.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/188?directsearch=true&tab=ShopForCare.
Treatment - CABG (Coronary Artery Bypass Grafting) (1): $46,972.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/49.
Follow Up - Doctor Visits (7): $1,505.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/225?directsearch=true&tab=ShopForCare.
Follow Up - Cardiac Rehab (full course of 36 sessions): $828
Source: https://www.medpagetoday.com/cardiology/prevention/84352.
Medication - Medications (anti-coagulant) (1): $299.00
Source: https://www.healthcarebluebook.com/ui/proceduredetails/med/1292?g=Savaysa.
Medication - Heart Medication costs (1): $400.00
Source: https://health.costhelper.com/heart-surgery.html.
Wellness Maintenance - Blood Pressure Kit (1): $68.00
Source: https://health.costhelper.com/blood-pressure-monitor.html.
Total Cost: $87,116.00
2 AFLAC LUMP SUM CRITICAL ILLNESS INSURANCE - B71000 SERIES
In Arkansas, Policies B71100AR & B7110HAR. In Oklahoma, Policies B71100OK & B7110HOK. In Oregon, Policies B71100OR & B7110HOR. In Pennsylvania, Policies B71100PA & B7110HPA. This is a brief product overview only. Coverage may not be available in all states including but not limited to: ID, NJ, NY & VA. Benefits and/or premiums may vary based on the state and benefit option selected. Riders are available for an additional premium. The policy has limitations, exclusions and pre-existing condition limitations that may affect benefits payable. The policy may contain a waiting period. Refer to the policy for benefit details, definitions, limitations and exclusions. For costs and complete details of the coverage, contact your Aflac insurance agent/producer.
Limitations & Exclusions for the residents of Arizona:
Aflac will not pay benefits for any Loss that is caused by a Preexisting Condition, unless it begins more than 12 months after the Effective Date of coverage. Benefits are payable for only one covered Loss at a time per Covered Person.
Aflac will not pay benefits for any Loss that is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico.
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.
For any benefit to be payable, the Onset Date of the Loss must occur on or after the Effective Date of coverage and while coverage is in force. If more than one Loss occurs on the same day, only the highest eligible benefit will be paid.
Aflac will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under the policy; or (2) fraud is committed or attempted in connection with any matter relating to the policy.
Aflac will not pay benefits for Loss due to (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure.
The policy does not cover Loss caused by or resulting from:
PRE-EXISTING CONDITION LIMITATIONS A “Pre-existing Condition” is an illness, disease, infection, disorder, or Injury for which, within the 12-month period before the Effective Date of coverage, prescription medication was taken or medical testing, medical advice, consultation, or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Benefits for a Loss that is caused by a Pre-existing Condition will not be covered unless the Onset Date is more than 12 months after the Effective Date of coverage.
3 The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources.
4 Assumes the average cost of a gallon of whole fresh milk is $3.20**. Comparison is based on the average weekly premium for Nebraska Direct Premium rates for industry Class A, Aflac Lump Sum Critical Illness Insurance Series B71000 - Initial Diagnosis Benefit amount: $10,000 - Option 1 - Non Tobacco; Individual aged 18-24. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: Bureau of Labor Statistics, June 2020.
