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Only 1-in-10 middle-income Americans feel confident in having enough savings to cover family emergencies.1

Critical Illness Insurance

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

No Medical Questions

No qualifying medical questions means your coverage is guaranteed.

One Day PaySM

We do everything possible to pay your claim fast, because expenses don’t wait, and neither should you.

Coverage Options

You can choose treatment-based benefits that pay over time or lump-sum benefits paid upon initial diagnosis.

How it works2

Policyholder suffers a heart attack and is transported to the hospital by ambulance.

He has heart surgery to implant a stent and is hospitalized. After leaving the hospital, he receives physical therapy.

Several months later, he has heart valve surgery and is hospitalized.

Policyholder submits via Aflac SmartClaim® by 3pm and receives benefits in just a day.

Payable to: You

$23,100

Benefits Estimator

Average Cost of a Heart Attack

27,621

Benefits Estimator

If you're sick or injured, the costs can really start to pile up.

Aflac pays you cash for those costs not covered by your major medical insurance.

Get The Real Cost
Affordable

weekly rates as low as a gallon of milk.3