New messages from Aflac | View Notifications opens a dialog Close X dismisses the notification alert

I’ve had 3 knee replacements, and I’ll never forget what Aflac has done for me.

– Johnnie

What is Accident Insurance?

Accident insurance policies1 help provide support when life’s most unexpected moments arrive. Supplemental accident insurance is meant to be purchased in addition to your primary policy. It helps pay the bills that your major medical insurance doesn’t completely cover.

This helps provide peace of mind when new and unexpected injury costs occur. Aflac works by paying benefits regardless of your current plan. This gives you extra support and financial relief during these covered accidents.

What Does an Accident Policy Help Cover?

When an accident occurs, there can be a great deal of treatment fees that exist outside of hospital bills. Aflac pays you cash benefits directly (unless assigned), which can be used for any of these services:

  • Ambulance

    Ambulance Rates

    Provides financial assistance if an ambulance is required to transport you to the hospital.

  • Heart

    Intensive Care Costs

    Helps cover the treatments and procedures needed to restore your health.

  • Clipboard

    Major Diagnostic Test & Exam Fees

    Assists with the cost of x-rays, blood tests, CT scans, MRIs, and any other exams needed to assess the injury at hand.

  • Hospital

    Therapy Charges

    Anticipates the need for therapy, both physically and emotionally, to recover from the impact of the accident.

  • Crutches

    Rehabilitation Costs

    Aids any facilities or programs needed to create a seamless recovery.

  • Patient with heart

    Family Support Benefits

    Provides benefits your family can use too, like cash payments for medical bills or everyday expenses.

  • Injuries and Emergency Services Covered

    Aflac’s accidental injury insurance helps cover a wide span of events, from emergency situations to more common accidents. On one side of the spectrum, we provide coverage for burns, comas, paralysis, concussions, dislocations, and lacerations. While crisis injuries can occur, there are a laundry list of common injuries that need attention too. Aflac also helps cover fractures, broken teeth, eye injuries, and pain management, like epidurals.


    There are many additional costs on top of treating the injury that may not be covered under your primary medical coverage. Aflac can help pay for ambulance trips, physical therapy, CT Scans, MRIs, confinement, blood transfusions, and medical appliances.

    kids playing soccer in a yard
  • father and son under umbrella

    An Inside Look at Monte's Accident

    Monte has a standard health insurance plan with a $500 deductible. He has a small cushion in his bank account saved for a rainy day. He considers himself a graceful guy but found himself tripping and tumbling down a flight of stairs, breaking his leg. After an ambulance picked him up and performed a few tests, the doctor recommended 3 months of physical therapy.

    His total medical expenses came out to $7,274.2 After filing a claim with his initial insurance, he still owes over $2,910.3 With Aflac’s accident plan, Monte receives $2,435 in cash benefits to help lower that burden.3 Aflac’s personal injury insurance helps Monte keep his rainy-day fund looking sunny.

  • What Isn't Covered

    Accident and health insurance are different. While major health insurance is necessary, our accident policy is optional. Our voluntary accident insurance pays cash benefits when an emergency injury occurs.

    Our accident policies pays benefits for hazardous activities like skydiving, rock climbing, and parachuting. However, if the accident puts you out of work for an extended period, we recommend our short term disability insurance policy.4

    We know that sporting injuries like concussions are common and take strides to help cover you. However, if your accident results in life-changing heart attacks or strokes, our critical illness insurance policy5 would be a better fit. This route utilizes lump sum payments.

    What about accidents while traveling? Our plan will help cover transportation costs, hospital fees, and other medical expenses incurred during travel accidents. It will not pay benefits for bacterial, viral, microorganism infections, or any condition resulting from insect bites or stings. For an in-depth understanding of what isn’t covered, explore the limitations and exclusions in your policy.

    mother and father holding their baby
    Accidental Death Benefits

    If the accident takes a turn for the worst, financial stressors shouldn’t consume you. Aflac’s Accidental-Death Benefit Rider provides accidental death benefits with varying cash payouts for your spouse and children. This may help keep your family afloat while grieving. If you are concerned about losing a family member, we encourage you to look at our life insurance policies.6

  • Is Accident Insurance Worth It?

    Accidents happen, big or small, and always at the wrong time. No warning, no time beforehand to reallocate funds, but a surprise injury with a hefty price tag.

    So, if you’re pondering, “do I need accident insurance?” we encourage you to look at the premiums on your current health insurance plan. According to the Kaiser Family Foundation 2020 Employer Health Benefit Survey, average single and family premiums increased 4% in the past year. This has skewed average family coverage up 22% in the last 5 years.7

    Having an added layer of supplemental accident insurance can help fill the holes that your primary insurance may be missing.

    mother and father playing in sand with daughter
  • father teaching daughter to ride skateboard

    How Much Does an Accident Policy Cost?

    Accident insurance costs are low, especially when you factor in the long-term savings. You can opt into an accident policy that provides weekly coverage for less than the cost of a box of bandages!8 You can spend the same amount per week on an accident policy as you do household first aid.

    Get a Quote Aflac duck with band-aids

Accident Insurance Coverage

You can buy Accident Insurance for individuals and for groups. If your work does not provide it for you, personal accident insurance is always an option. Unlike some other insurance companies, Aflac provides fast, easy, and complimentary plans.
  • Group accident insurance

    Personal Accident Insurance

    Are you debating whether you should get accident insurance? Check to see if your employer offers adequate accident coverage. If you can't get insurance through work, opting into personal accident insurance could be the extra layer of security you need.

    There are certain people that would particularly benefit from an accident policy.

    If you have children involved in sports, our Organized Sporting Activity Benefit could be the extra protection you’re looking for. It pays benefits for the most common sports injuries, like sprains, tears, fractures, and breaks.

    We have accident insurance plans to help meet the needs of you and anyone in your family. Our Family Support Benefit helps protect you and your loved ones.

    father and son playing basketball
Aflac duck with wings spread

How to Enroll

Finding the accident insurance company for your unique situation just got easier. To get started, you can leave pre-screening questions and eligibility requirements at the door. We encourage you to compare personal accident insurance with your primary healthcare plan to see where holes may exist.

When choosing an accident insurance company, remember to weigh out the pros and cons. Aflac pays you (unless assigned) direct cash benefits if an accident does occur, helping to offset the expensive costs that come with unforeseen injuries. You get your money fast ensuring that ambulance fees, hospital costs, transportation, lodgings, and recovery care are not a financial burden.

Sign Up Now

Share Page

Close