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Limb discomfort. Cold sweats. Nausea. Chest pain. When the symptoms hit, you know it’s time to visit the hospital.
You take an ambulance to the emergency room and the diagnosis is in: you’ve suffered a heart attack.
With an Aflac Critical Illness1 policy your benefits are paid to you directly (unless otherwise assigned).
You use cash benefits to help with medical bills, continuing care, or everyday expenses.
A lump sum payout up to $25,000 upon the diagnosis of a covered illness.
This can add up to $500 per year to the initial diagnosis of a covered illness.
A lump sum payout up to $6,250 for undergoing coronary artery bypass graft surgery.
A lump sum payout up to $12,500 upon the recurrence of a previous covered illness or the diagnosis of a new covered illness.
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
1 At the time of application, you answer underwriting questions and select an Initial Diagnosis Benefit amount of $20,000. You have your policy for two years and the Building Benefit grows to $1,000.
AFLAC LUMP SUM CRITICAL ILLNESS INSURANCE - B71000 SERIES
In Arkansas, Policies B71100AR & B7110HAR. In Oklahoma, Policies B71100OK & B7110HOK. In Oregon, Policies B71100OR & B7110HOR. In Pennsylvania, Policies B71100PA & B7110HPA. This is a brief product overview only. Coverage may not be available in all states including but not limited to: ID, NJ, NY & VA. Benefits and/or premiums may vary based on the state and benefit option selected. Riders are available for an additional premium. The policy has limitations, exclusions and pre-existing condition limitations that may affect benefits payable. The policy may contain a waiting period. Refer to the policy for benefit details, definitions, limitations and exclusions. For costs and complete details of the coverage, contact your Aflac insurance agent/producer.
Limitations & Exclusions for the residents of Arizona:
Aflac will not pay benefits for any Loss that is caused by a Preexisting Condition, unless it begins more than 12 months after the Effective Date of coverage. Benefits are payable for only one covered Loss at a time per Covered Person.
Aflac will not pay benefits for any Loss that is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico.
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.
For any benefit to be payable, the Onset Date of the Loss must occur on or after the Effective Date of coverage and while coverage is in force. If more than one Loss occurs on the same day, only the highest eligible benefit will be paid.
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.
Aflac will not pay benefits for Loss due to (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure.
The policy does not cover Loss caused by or resulting from:
PRE-EXISTING CONDITION LIMITATIONS A “Pre-existing Condition” is an illness, disease, infection, disorder, or Injury for which, within the 12-month period before the Effective Date of coverage, prescription medication was taken or medical testing, medical advice, consultation, or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment. Benefits for a Loss that is caused by a Pre-existing Condition will not be covered unless the Onset Date is more than 12 months after the Effective Date of coverage.
