To our policyholders in areas affected by the recent hurricanes, please know that the thoughts and prayers of everyone at Aflac are with you. We are working with government agencies that represent all declared disaster areas to ensure we do everything possible to help you. Based on that guidance, we have extended the due dates for policy premiums by 60 days for those living in places that have been declared disaster areas. If you have a question about your policy or need help, contact us at 800-992-3522. To help with the recovery, Aflac made a $500,000 donation to the American Red Cross, and our employees are making their own private contributions. Please be safe, as the care of you and your families is paramount.
With Aflac, qualified claims are paid in just a day.
Coverage shouldn’t be limited by where a person works or if they’re retired. Aflac coverage goes wherever the policy holder goes.
Aflac puts choice in the hands of policy holders. After your initial diagnosis, get paid over time or in one lump sum.
May not be available in all states
Policyholder suffers from frequent infections and high fevers.
Physician visit & bone marrow biopsy reveals diagnosis of leukemia.
Policyholder submits via Aflac SmartClaim® by 3pm and receives benefits in just a day.
Payable to: You
weekly rates as low as a gallon of milk.3
† One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim®, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim® is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2017.
1Middle-Income America's Perspectives on Critical Illness and Financial Security, Washington National Institute for Wellness Solutions, April 2013.
2The above example is based on a scenario for Aflac Cancer Care – Classic (domicile state) that includes the following benefit conditions: Physician visit (Cancer Wellness Benefit) of $75, bone marrow biopsy (Surgical/Anesthesia Benefit) of $125, NCI Evaluation/Consultation Benefit of $500, Initial Treatment Benefit of $4,000, venous port (Surgical/Anesthesia Benefit) of $125, Injected Chemotherapy Benefit (10 weeks) of $6,000, Immunotherapy Benefit (3 months) of $1,050, Anti-nausea Benefit (3 months) of $300, Hospital Confinement Benefit (10‐week hospitalization) of $22,000, Blood/Plasma Benefit (10 transfusions) of $1,000. Benefits may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a “How It Works” scenario customized for your state.
A78000 SERIES, CANCER CARE
In Arkansas, Policies A78100AR-A78400AR. In Idaho, Policies A78100ID–A78400ID. In New York, Policies NY78100–NY78400. In Oklahoma, Policies A78100OK– A78400OK. In Oregon, Policies A78100OR–A78400OR. In Pennsylvania, Policies A78100PA¬–A78400PA. In Texas, Policies A78100TX–A78400TX. Policies may not be available in all states. The policies have limitations and exclusions that may affect benefits payable. Refer to the policies for complete details, limitations, and exclusions. For costs, complete details of the coverage and for policies available in your state, please contact your local Aflac agent.
Limitations and Exclusions for residents of Arizona:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for:
Limitations and Exclusions for residents of Idaho:
We pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity. The policy contains a 30-day waiting period. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before his or her coverage has been in force 30 days, benefits for treatment of that Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium. The Initial Diagnosis Benefit is not payable for:
Limitations and Exclusions for residents of New Jersey:
We pay only for treatment of Cancer and Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered) or complications of any other disease, sickness, or incapacity. The Initial Diagnosis Benefit is not payable for the diagnosis of Nonmelanoma Skin Cancer. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void. Aflac will not pay benefits whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aflac coverage for which you received benefits that were not lawfully due and that fraudulently induced payment.
3Assumes the average cost of a gallon of whole fresh milk is $3.48*. Comparison is based on the average weekly premium for Aflac Preferred Cancer Care Policy Series A78100; Individual/One-Parent Family ages 18-75. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Bureau of Labor Statistics, March 2015.