We're there when you need us most
The unfortunate reality is cancer touches almost everyone at some point in their lives, whether it's yourself or a loved one. But each person has a unique story, especially when it comes to cancer treatment. We believe if faced with a cancer diagnosis, you need solutions that help you face the financial, physical and emotional challenges often experienced by cancer patients and their families - before, during, and after treatment.
We're there when you need us most
The unfortunate reality is cancer touches almost everyone at some point in their lives, whether it's yourself or a loved one. But each person has a unique story, especially when it comes to cancer treatment. We believe if faced with a cancer diagnosis, you need solutions that help you face the financial, physical and emotional challenges often experienced by cancer patients and their families - before, during, and after treatment.
than 1 in 2 lifetime
risk of developing cancer
in the United States.1
than 1 in 2 lifetime
risk of developing cancer
in the United States.1
more than 1 in 3 lifetime
risk of developing cancer
in the United States.1
more than 1 in 3 lifetime
risk of developing cancer
in the United States.1
Here's how it works.
You never know what the future could hold, which is why it’s so important to help protect yourself with Aflac Cancer Protection Assurance. These plans don’t just help with medical expenses. Rather, they pay you cash directly, unless assigned—instead of a doctor or hospital—to help you manage expenses like bills, rent, car payments, groceries, child care and more. Cancer is expensive, but with Aflac Cancer Protection Assurance, patients can focus on the most important thing: getting better.
You come down with a fever.
Time for some tests.
You receive your diagnosis.
You begin treatment.
Click to view important policy limitations and exclusions.
Collapse to close important benefit scenario details.
Aflac Cancer Protection Assurance – Option 1 The above example is based on a scenario for Aflac Cancer Protection Assurance - Option 1 with three units of the Initial Diagnosis Building Benefit Rider (purchased three years prior to claim) and includes the following benefit conditions: Initial Diagnosis Benefit of $1,250, Initial Diagnosis Building Benefit Rider (three units for three years) of $900, Bone Marrow Biopsy (Cancer Screening Benefit) of $25, IV Chemotherapy for 3 months (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) of $2,400, Immunotherapy (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) for 6 months of $4,800, Antinausea Benefit (9 months) of $450, Stem Cell Transplant Benefit of $3,500, Hospital Confinement Benefit (4 days) of $400, Annual Care Benefit (paid on the first anniversary of diagnosis) of $250.
Aflac Cancer Protection Assurance – Option 2 The above example is based on a scenario for Aflac Cancer Protection Assurance - Option 2 with three units of the Initial Diagnosis Building Benefit Rider (purchased three years prior to claim) and includes the following benefit conditions: Initial Diagnosis Benefit of $5,000, Initial Diagnosis Building Benefit Rider (three units for three years) of $900, Bone Marrow Biopsy (Cancer Screening Benefit) of $75, IV Chemotherapy for 3 months (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) of $4,800, Immunotherapy (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) for 6 months of $9,600, Antinausea Benefit (9 months) of $900, Stem Cell Transplant Benefit of $7,000, Hospital Confinement Benefit (4 days) of $800, Annual Care Benefit (paid on the first anniversary of diagnosis) of $500.
Aflac Cancer Protection Assurance – Option 3 The above example is based on a scenario for Aflac Cancer Protection Assurance - Option 3 with three units of the Initial Diagnosis Building Benefit Rider (purchased three years prior to claim) and includes the following benefit conditions: Initial Diagnosis Benefit of $7,500, Initial Diagnosis Building Benefit Rider (three units for three years) of $900, Bone Marrow Biopsy (Cancer Screening Benefit) of $100, IV Chemotherapy for 3 months (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) of $6,000, Immunotherapy (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) for 6 months of $12,000, Antinausea Benefit (9 months) of $1,350, Stem Cell Transplant Benefit of $10,000, Hospital Confinement Benefit (4 days) of $1,200, Annual Care Benefit (paid on the first anniversary of diagnosis) of $750.
Benefits and/or premiums may vary based on state and benefit option selected. Riders are available for an additional cost. The policy/riders have limitations, exclusions, and pre-existing condition limitations that may affect benefits payable. The policy and certain riders contain a 30-day waiting period. This brochure is for illustrative purposes only. Refer to the policy/riders for complete benefit details, definitions, limitations and exclusions.
$13,975
Total Benefits
$29,575
Total Benefits
$39,800
Total Benefits
Expand to view important benefit scenario details.
Aflac Cancer Protection Assurance – Option 1 The above example is based on a scenario for Aflac Cancer Protection Assurance - Option 1 with three units of the Initial Diagnosis Building Benefit Rider (purchased three years prior to claim) and includes the following benefit conditions: Initial Diagnosis Benefit of $1,250, Initial Diagnosis Building Benefit Rider (three units for three years) of $900, Bone Marrow Biopsy (Cancer Screening Benefit) of $25, IV Chemotherapy for 3 months (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) of $2,400, Immunotherapy (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) for 6 months of $4,800, Antinausea Benefit (9 months) of $450, Stem Cell Transplant Benefit of $3,500, Hospital Confinement Benefit (4 days) of $400, Annual Care Benefit (paid on the first anniversary of diagnosis) of $250.
Aflac Cancer Protection Assurance – Option 2 The above example is based on a scenario for Aflac Cancer Protection Assurance - Option 2 with three units of the Initial Diagnosis Building Benefit Rider (purchased three years prior to claim) and includes the following benefit conditions: Initial Diagnosis Benefit of $5,000, Initial Diagnosis Building Benefit Rider (three units for three years) of $900, Bone Marrow Biopsy (Cancer Screening Benefit) of $75, IV Chemotherapy for 3 months (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) of $4,800, Immunotherapy (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) for 6 months of $9,600, Antinausea Benefit (9 months) of $900, Stem Cell Transplant Benefit of $7,000, Hospital Confinement Benefit (4 days) of $800, Annual Care Benefit (paid on the first anniversary of diagnosis) of $500.
Aflac Cancer Protection Assurance – Option 3 The above example is based on a scenario for Aflac Cancer Protection Assurance - Option 3 with three units of the Initial Diagnosis Building Benefit Rider (purchased three years prior to claim) and includes the following benefit conditions: Initial Diagnosis Benefit of $7,500, Initial Diagnosis Building Benefit Rider (three units for three years) of $900, Bone Marrow Biopsy (Cancer Screening Benefit) of $100, IV Chemotherapy for 3 months (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) of $6,000, Immunotherapy (Physician-Administered Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Benefit) for 6 months of $12,000, Antinausea Benefit (9 months) of $1,350, Stem Cell Transplant Benefit of $10,000, Hospital Confinement Benefit (4 days) of $1,200, Annual Care Benefit (paid on the first anniversary of diagnosis) of $750.
Benefits and/or premiums may vary based on state and benefit option selected. Riders are available for an additional cost. The policy/riders have limitations, exclusions, and pre-existing condition limitations that may affect benefits payable. The policy and certain riders contain a 30-day waiting period. This brochure is for illustrative purposes only. Refer to the policy/riders for complete benefit details, definitions, limitations and exclusions.
Collapse to close important benefit scenario details.
Aflac Cancer Protection Assurance
Cancer Indemnity Insurance
Benefits Overview
Policy Series B70000
The policy is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
| Benefit | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Initial Diagnosis |
Named Insured or Spouse: $1,250
Dependent Child: $2,500 Payable once per covered person, per lifetime |
Named Insured or Spouse: $5,000
Dependent Child: $10,000 Payable once per covered person, per lifetime |
Named Insured or Spouse: $7,500
Dependent Child: $15,000 Payable once per covered person, per lifetime |
| Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy |
Self-Administered: $150 per calendar month
Physician-Administered: $800 per calendar month This benefit is limited to one self-administered treatment and one physician-administered treatment per calendar month. |
Self-Administered: $375 per calendar month
Physician-Administered: $1,600 per calendar month This benefit is limited to one self-administered treatment and one physician-administered treatment per calendar month. |
Self-Administered: $600 per calendar month
Physician-Administered: $2,000 per calendar month This benefit is limited to one self-administered treatment and one physician-administered treatment per calendar month. |
| Annual Care | $250 on the anniversary date of diagnosis; lifetime maximum of five annual $250 payments per covered person | $500 on the anniversary date of diagnosis; lifetime maximum of five annual $500 payments per covered person | $750 on the anniversary date of diagnosis; lifetime maximum of five annual $750 payments per covered person |
| Cancer Screening |
One $25 benefit per calendar year, per covered person
Benefit increases to three screenings per calendar year after the diagnosis for invasive cancer |
One $75 benefit per calendar year, per covered person
Benefit increases to three screenings per calendar year after the diagnosis for invasive cancer |
One $100 benefit per calendar year, per covered person
Benefit increases to three screenings per calendar year after the diagnosis for invasive cancer |
| Prophylactic Surgery (due to a positive genetic test result) | $125 per covered person, per lifetime | $250 per covered person, per lifetime | $350 per covered person, per lifetime |
| Additional Opinion | $150 per covered person, per lifetime | $300 per covered person, per lifetime | $400 per covered person, per lifetime |
| Hormonal Therapy | $15 once per calendar month | $25 once per calendar month | $40 once per calendar month |
| Topical Chemotherapy | $100 once per calendar month | $150 once per calendar month | $200 once per calendar month |
| Antinausea | $50 once per calendar month | $100 once per calendar month | $150 once per calendar month |
| Stem Cell and Bone Marrow Transplantation |
$3,500; lifetime maximum of $3,500 per covered person
Donor benefit: $50 for stem cell donation, or $500 for bone marrow donation Payable one time per covered person |
$7,000; lifetime maximum of $7,000 per covered person
Donor benefit: $100 for stem cell donation, or $750 for bone marrow donation Payable one time per covered person |
$10,000; lifetime maximum of $10,000 per covered person
Donor benefit: $150 for stem cell donation, or $1,000 for bone marrow donation Payable one time per covered person |
| Blood and Plasma |
Inpatient: $50 times the number of days paid under the Hospital Confinement Benefit, per covered person
Outpatient: $140 per day, per covered person |
Inpatient: $50 times the number of days paid under the Hospital Confinement Benefit, per covered person
Outpatient: $175 per day, per covered person |
Inpatient: $75 times the number of days paid under the Hospital Confinement Benefit, per covered person
Outpatient: $250 per day, per covered person |
| Surgery/Anesthesia |
$50-$1,700
Anesthesia: additional 25% of the Surgery Benefit Maximum daily benefit will not exceed $2,125; no lifetime maximum on the number of operations |
$100-$3,400
Anesthesia: additional 25% of the Surgery Benefit Maximum daily benefit will not exceed $4,250; no lifetime maximum on the number of operations |
$140-$5,000
Anesthesia: additional 25% of the Surgery Benefit Maximum daily benefit will not exceed $6,250; no lifetime maximum on the number of operations |
| Skin Cancer Surgery |
Laser or Cryosurgery: $20
Excision of lesion of skin without flap or graft: $85 Flap or graft without excision: $125 Excision of lesion of skin with flap or graft: $200 Maximum daily benefit will not exceed $200. No lifetime maximum on the number of operations |
Laser or Cryosurgery: $35
Excision of lesion of skin without flap or graft: $170 Flap or graft without excision: $250 Excision of lesion of skin with flap or graft: $400 Maximum daily benefit will not exceed $400. No lifetime maximum on the number of operations |
Laser or Cryosurgery: $50
Excision of lesion of skin without flap or graft: $250 Flap or graft without excision: $375 Excision of lesion of skin with flap or graft: $600 Maximum daily benefit will not exceed $600. No lifetime maximum on the number of operations |
| Prophylactic Surgery (with correlating invasive cancer diagnosis) | $125 per covered person, per lifetime | $250 per covered person, per lifetime | $350 per covered person, per lifetime |
| Hospitalization Confinement for 30 days or less |
Named Insured or Spouse: $100
Dependent Child: $125 |
Named Insured or Spouse: $200
Dependent Child: $250 |
Named Insured or Spouse: $300
Dependent Child: $375 |
| Hospitalization Confinement for 31 days or more |
Named Insured or Spouse: $200
Dependent Child: $250 |
Named Insured or Spouse: $400
Dependent Child: $500 |
Named Insured or Spouse: $600
Dependent Child: $750 |
| Outpatient Hospital Surgical Room Charge | $100 per day, per covered person | $200 per day, per covered person | $300 per day, per covered person |
| Extended-care Facility | $75 per day; limited to 30 days in each calendar year, per covered person | $100 per day; limited to 30 days in each calendar year, per covered person | $150 per day; limited to 30 days in each calendar year, per covered person |
| Home Health Care | $50 per day; limited to 10 days per hospitalization, per covered person; and 30 days per calendar year, per covered person | $100 per day; limited to 10 days per hospitalization, per covered person; and 30 days per calendar year, per covered person | $150 per day; limited to 10 days per hospitalization, per covered person; and 30 days per calendar year, per covered person |
| Hospice Care | $1,000 for first day; $50 per day thereafter; $12,000 (221 days) lifetime maximum per covered person | $1,000 for first day; $50 per day thereafter; $12,000 (221 days) lifetime maximum per covered person | $1,000 for first day; $50 per day thereafter; $12,000 (221 days) lifetime maximum per covered person |
| Nursing Services | $50 per day; payable for only the number of days the Hospital Confinement Benefit is payable | $100 per day; payable for only the number of days the Hospital Confinement Benefit is payable | $150 per day; payable for only the number of days the Hospital Confinement Benefit is payable |
| Surgical Prosthesis | $1,000; lifetime maximum of $2,000 per covered person | $2,000; lifetime maximum of $4,000 per covered person | $3,000; lifetime maximum of $6,000 per covered person |
| Nonsurgical Prosthesis | $90 per occurrence, per covered person; lifetime maximum of $180 per covered person | $175 per occurrence, per covered person; lifetime maximum of $350 per covered person | $250 per occurrence, per covered person; lifetime maximum of $500 per covered person |
| Breast Reconstruction |
Breast Tissue/Muscle Reconstruction Flap Procedures: $1,000
Breast Reconstruction (occurring within 5 years of breast cancer diagnosis): $250 Breast Symmetry (on the nondiseased breast occurring within 5 years of breast reconstruction): $110 Permanent Areola Repigmentation (on the diseased breast): $50 Maximum daily benefit will not exceed $1,000 |
Breast Tissue/Muscle Reconstruction Flap Procedures: $2,000
Breast Reconstruction (occurring within 5 years of breast cancer diagnosis): $500 Breast Symmetry (on the nondiseased breast occurring within 5 years of breast reconstruction): $220 Permanent Areola Repigmentation (on the diseased breast): $100 Maximum daily benefit will not exceed $2,000 |
Breast Tissue/Muscle Reconstruction Flap Procedures: $3,000
Breast Reconstruction (occurring within 5 years of breast cancer diagnosis): $700 Breast Symmetry (on the nondiseased breast occurring within 5 years of breast reconstruction): $350 Permanent Areola Repigmentation (on the diseased breast): $150 Maximum daily benefit will not exceed $3,000 |
| Other Reconstructive Surgery |
Facial Reconstruction: $250
Anesthesia: additional 25% of the other reconstructive surgery benefit Maximum daily benefit will not exceed $250 |
Facial Reconstruction: $500
Anesthesia: additional 25% of the other reconstructive surgery benefit Maximum daily benefit will not exceed $500 |
Facial Reconstruction: $700
Anesthesia: additional 25% of the other reconstructive surgery benefit Maximum daily benefit will not exceed $700 |
| Egg Harvesting, Storage (Cryopreservation) and Implantation |
$500 for a covered person to have oocytes extracted and harvested
$100 for the storage of a covered person's oocyte(s) or sperm $100 for embryo transfer Lifetime maximum of $700 per covered person |
$1,000 for a covered person to have oocytes extracted and harvested
$200 for the storage of a covered person's oocyte(s) or sperm $200 for embryo transfer Lifetime maximum of $1,400 per covered person |
$1,500 for a covered person to have oocytes extracted and harvested
$250 for the storage of a covered person's oocyte(s) or sperm $250 for embryo transfer Lifetime maximum of $2,000 per covered person |
| Ambulance |
$250 ground
$2,000 air ambulance |
$250 ground
$2,000 air ambulance |
$250 ground
$2,000 air ambulance |
| Transportation | $.35 cents per mile for transportation; payable up to a combined maximum of $1,050 per round trip | $.40 cents per mile for transportation; payable up to a combined maximum of $1,200 per round trip | $.50 cents per mile for transportation; payable up to a combined maximum of $1,500 per round trip |
| Lodging | $50 per day; limited to 90 days per calendar year | $65 per day; limited to 90 days per calendar year | $80 per day; limited to 90 days per calendar year |
| Waiver of Premium | Yes | Yes | Yes |
| Continuation of Coverage | Yes | Yes | Yes |
| Outline of Coverage |
View the Outline of Coverage
|
View the Outline of Coverage
|
View the Outline of Coverage
|
| Optional Riders | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Initial Diagnosis Building Benefit Rider | This benefit will increase the amount of your Initial Diagnosis Benefit, as shown in the policy, by $100 for each unit purchased, up to five units, for each covered person on the anniversary date of coverage, while coverage remains in force. | ||
| Specified-Disease Benefit Rider |
When a covered person is diagnosed with any of the diseases listed in the Specified-Disease Rider:
Initial diagnosis
|
||
| Dependent Child Rider | $10,000 when a covered dependent child is diagnosed as having invasive cancer; payable only once for each covered dependent child | ||
| Click to view important limitations and exclusions for Option 1. | Click to view important limitations and exclusions for Option 2. | Click to view important limitations and exclusions for Option 3. |