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Learn about individual policies.
For companies with fewer than three employees, please check out our individual and family coverage. Learn more.

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Health insurance premiums for families have increased 80% since 2003.1

Hospital Insurance

A trip to the hospital can be a little intimidating. And while we can’t take all the uncertainty out of the stay, Aflac hospital insurance can help your employees be better prepared for unexpected hospital expenses not covered by their major medical coverage.

No Medical Questions

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

May not be available in all states

One Day PaySM †

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.

Flexibility and Choice of product offerings

Multiple levels and options available to help meet your employees’ needs.

How it works2

Individual has a high fever and goes to the ER.

Doctor performs exam and admits individual into a hospital room for 24 hours of observation.

Policyholder is released from hospital and submits via Aflac SmartClaim® by 3pm. Benefits are received in just a day.



Benefits Estimator

Average Yearly cost of youth asthma care


Benefits Estimator

When your employees are sick or injured, the costs can really start to pile up.

Aflac pays cash for those unexpected out-of-pocket costs, keeping your employees and their families financially secure.

Get the real cost
No direct cost to employers,

and affordable weekly rates as low as a "Get Well Soon" card.3