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Accident and Sickness Insurance

In the event that you get injured or sick, accident and sickness insurance can be very helpful. You may use the payout to help cover a variety of expenses and focus on your recovery. Keep reading to find out what accident and sickness insurance is and how it works so you can decide if it makes sense for your unique situation.

What is accident and sickness insurance?

Accident and sickness insurance is designed to help support you financially if you’re unable to work after a covered injury or illness. As long as you pay your premiums, you’ll receive cash benefits to put toward medical and non-medical out-of-pocket expenses that you might face.1 This type of policy can help give you some peace of mind when a new, unexpected accident or injury pops up.

Aflac’s accident insurance offers affordable coverage to individuals and groups. You can enroll quickly and customize your plan to meet your particular needs.

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Accident and sickness insurance coverage

You can use the cash benefits to pay for medical and non-medical expenses, such as:

  • Living expenses
  • Childcare costs

How much does accident and sickness insurance cost?

Fortunately, accident and sickness insurance is usually affordable, especially when you compare it to other types of policies. Depending on the plan you have, monthly premiums may range from $4 to $50.2 Factors like the insurance company, type of coverage, and number of people covered will all play a role in the cost. You can get an accident insurance policy from Aflac and enjoy low premiums.

Accident and sickness insurance vs. health insurance

After you sustain an accident or sickness, your primary health insurance will help cover some treatment costs. But there’s a good chance you’ll be left with out-of-pocket medical expenses, as well as a variety of non-medical expenses. Accident and sickness insurance is intended to complement your primary health plan and provides cash benefits you can apply toward any costs you’d like.

Who should get accident and sickness insurance?

You might want to invest in accident and sickness insurance if any of these situations apply to you:

People who want coverage for everyday injuries

The reality is that an accident or sickness can happen at any moment. An accident and sickness policy can protect you financially in case the unexpected occurs.


If you have children that are prone to accidents, accident and sickness insurance may come in handy. It may help you avoid the high out-of-pocket expenses you might face as a parent.

People with active lifestyles

While living an active lifestyle comes with many benefits, it also increases your risk of accidents. If you consider yourself active, accident and sickness insurance can provide you with peace of mind.

People who want an affordable supplemental insurance plan

Your primary health insurance plan won’t cover all the expenses that an accident or sickness may bring. An accident and sickness policy can help reduce the out-of-pocket costs you may incur without breaking the bank.

Aflac offers accident insurance

Ideally, you’d never experience an accident or illness. Since this is unlikely, however, accident and sickness insurance should be on your radar. It’s an affordable way to help protect yourself from hefty out-of-pocket expenses.

With Aflac’s accident insurance, you can collect cash benefits after a covered accident and injury. This may alleviate financial stress and allow you to direct your attention toward recovery. Start chatting with an agent today for more information or a quote.

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