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Every year, more than 795,000 people in the United States have a stroke.1

Aflac Critical Illness Insurance pays benefits in the event of a covered health event.

Critical Illness Insurance

Use our critical illness insurance2 to help with the treatment costs of life-changing illnesses and health events, so you can stay focused on recuperation.

Why Should I Consider Critical Illness Insurance?

emergency room sign

Because a critical illness and the accompanying bills often arrive without warning. Aflac critical Illness insurance pays a lump sum benefit or a single, large-payout benefit amount, upon a covered diagnosis.

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We help with expenses health insurance doesn’t cover – and we help put cash benefits in your pocket fast.

woman reading insurance claim documents

We pay you, not your doctor or hospital. And you can use the money any way you see fit, whether it’s to help with leftover medical costs or for other expenses you may have that can affect your financial security.

What Does a Critical Illness Policy Help Cover?

Initial Diagnosis

A lump sum payout up to $25,000 upon the diagnosis of a covered illness.

Subsequent Critical Illness Event

A lump sum payout up to $12,500 upon the recurrence of a previous covered illness or the diagnosis of a new covered illness.

Initial Diagnosis Increasing Benefit

This can add up to $500 per year to the initial diagnosis of a covered illness, for up to 10 years.

Coronary Artery Bypass Graft Surgery

A lump sum payout up to $6,250 for undergoing coronary artery bypass graft surgery.

daughter hugging father

You feel chest pain.

Limb discomfort. Cold sweats. Nausea. Chest pain. When the symptoms hit, you know it’s time to visit the hospital.

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You’re taken to the ER.

You take an ambulance to the emergency room and the diagnosis is in: you’ve had a heart attack.

woman holding wallet

Aflac steps in to help.

With an Aflac Lump Sum Critical Illness3 policy your benefits are paid to you directly (unless otherwise assigned).

woman laying in bed drinking coffee

You focus on getting well.

You use cash benefits to help with medical bills, continuing care, or everyday expenses. With Aflac's help, you can worry less.

Child on scooter

What Is the Difference Between Cancer and Critical Illness Insurance?

Aflac offers both Cancer and Critical Illness policies. Each plan offers different benefits, and it's not uncommon for policyholders to consider more than one plan. Combined, you can explore a more supportive and holistic approach to coverage. It makes sense to explore all your options.

Cancer Insurance is for those who experience a positive diagnosis of cancer. It offers cash benefits not only for covered cancer treatments received but can also help with everyday costs. Cancer insurance can help cover a wide variety of cancer treatments – both preventative and urgent. Cancer treatment costs with insurance can be much more manageable with a good policy in place.

Lump-Sum Critical Illness Insurance is for those who experience a life-changing event, like a heart attack or stroke. It offers lump-sum cash benefits that can be used however you decide - from helping with everyday bills to surgery. These plans may help provide coverage for diseases that aren't covered by our cancer/specified disease insurance policies.

How Much Does Critical Illness Insurance Cost?

If you become seriously ill, your focus should be on your health – not on the health of your bank account. Critical Illness Insurance helps you concentrate on what’s important: getting well.

Aflac offers some critical illness insurance policies with weekly rates as low as a gallon of milk.4

Aflac duck with milk

Get a Quote for Aflac Critical Illness Insurance

There are several options available that make this plan customizable for all kinds of policy needs. The cost is impacted by the coverage choices, age, location, and nicotine usage. Design a policy to fit your needs.