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Benefits start even before a diagnosis - Aflac will pay you cash when you go for annual preventative screenings.
If a screening uncovers a cancer diagnosis, our benefits will pay you cash for the diagnosis and a second opinion, if you choose.
Throughout your cancer journey, Aflac will pay you cash benefits to help with the care you need.
Aflac is there to support your road to recovery, with cash benefits to help you get back on your your feet physically and financially.
We offer different policy options with varying levels of coverage, to help meet your unique needs. Each cancer insurance option offers cash benefits that can be used to help with medical costs and other expenses. A few common expenses that Aflac can help cover are:
Provides benefits for covered annual cancer screenings to help you stay on top of your health.
Helps cover the treatments and procedures that may be needed to help restore your health.
Pays benefits if hormonal therapy is included in your treatment plan.
Can help cover costs if a blood or plasma transfusion is included in your treatment plan.
Assists with the costs of surgery and anesthesia to help get you recovering as soon as possible.
Offers benefits to help with the costs of lodging if you receive cancer treatment at a hospital or medical facility more than 50 miles from your home.
I was able to use money from Aflac to help protect my fertility.
1 Benefits are paid directly to policyholders, unless otherwise assigned.
2 Cancer insurance is also known as Specified-Disease insurance in some states.
3 Katy is a real policyholder. This is her story. Your benefits from Aflac may differ. Katy was paid for her time telling this story.
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
This is a brief product overview only. Coverage/plan levels may not be available in all states including but not limited to ID, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. The policies and riders have limitations and exclusions that may affect benefits payable. Refer to the exact policy and rider forms for complete benefit details, definitions, limitations and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent/producer.
Aflac Cancer plans:
B70000 Series: In Arkansas, Policies B70100AR, B70200AR & B70300AR. In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID & B70300ID.In Oklahoma, Policies B70100OK, B70200OK & B70300OK.In Oregon, Policies B70100OR, B70200OR &B70300OR. In Pennsylvania, Policies B70100PA, B70200PA & B70300PA. In Texas, Policies B70100TX, B70200TX & B70300TX. Not available in New York or Virginia. A78000 Series: In New York, Policies, NY78100–NY78400. A75000 Series: In Virginia, policies A75100VA–A75300VA.
Aflac Cancer Protection Assurance – B70000 Series
Limitations & Exclusions for the residents of Arizona
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer or 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.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition, will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
In addition, for benefits to be payable for a recurrence, direct extension, or metastatic spread of any Cancer or Associated Cancerous Condition that was diagnosed prior to the Effective Date of coverage, the Covered Person must be free from Treatment for that Cancer or Associated Cancerous Condition for a consecutive 12-month period before the diagnosis date of the recurrence, direct extension, or metastatic spread.
The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; or (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under the policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
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 for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Aflac will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under the policy; or (2) fraud is committed or attempted in connection with any matter relating to the policy.
Limitations & Exclusions for the residents of Idaho
Except as specifically provided in the Benefits section of the policy, Aflac will 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, or any recurrence, extension, or metastatic spread of that same 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: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during the policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of the policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based.
Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Limitations and Exclusions for residents of New Jersey
Except as specifically provided in the Benefits section of the policy, Aflac will pay only for treatment of Cancer, 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 any other disease, sickness, or incapacity.
Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions.
Aflac will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Aflac may void the policy and will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under the policy; or (2) fraud is committed or attempted in connection with any matter relating to the policy. If you have received benefits that were not contractually due under the policy, then Aflac reserves the right to offset any benefits payable under the policy up to the amount of benefits you received that were not contractually due.
AFLAC PERSONAL CANCER INDEMNITY – A75000 SERIES
Limitations and Exclusions for resident of Virginia
We pay only for treatment of Cancer, including direct extension, metastatic spread, or recurrence or any condition(s) or disease(s) directly caused or aggravated by the specified disease(s) or the treatment of the specified disease(s). Benefits are not provided for premalignant conditions; conditions with malignant potential; or any other disease, sickness, or incapacity.
The First-Occurrence Benefit is not payable for: (1) any internal Cancer diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such internal Cancer that is diagnosed prior to the Effective Date of the policy; (2) the diagnosis of skin Cancer or melanomas classified as Clark's Levels I and II, or a Breslow level less than or equal to 1.5 mm. Any covered person who has had a previous diagnosis of Cancer will NOT be eligible for a First-Occurrence Benefit under the policy for a recurrence, extension, or metastatic spread of that same Cancer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Tier One Cancer plans:
In Arkansas, Policy T70000ARR. In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Oregon, Policy T70000OR. In Pennsylvania, Policies T70000PA, T7000GPA. In Texas, Policy T70000TXR. Not available in New Jersey, New York or Virginia.
Cancer Protection Assurance – T70000 Series
Limitations & Exclusions for the residents of Arizona:
Except as specifically provided in the Benefits section of the policy, Tier One will pay only for treatment of Cancer or 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.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of the policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; (2) the diagnosis of Nonmelanoma Skin Cancer. Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under the policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
Tier One 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.
Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Tier One will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under the policy; or (2) fraud is committed or attempted in connection with any matter relating to the policy.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to the insurance coverage or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]
Limitations & Exclusions for the residents of Idaho:
Except as specifically provided in the Benefits section of the policy, Tier One will 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’s waiting period is shown in the Policy Schedule. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before the end of the waiting period shown in the Policy Schedule, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same 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: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during the policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of the policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based. Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to the insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]
Tier One coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
Z2400980R1
