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Voluntary accident insurance is a supplemental accident policy. Its benefits are usually offered by employers but paid for by employees.1 Let’s dive deeper into what voluntary accident insurance is and how it works so you can decide if it’s right for your unique situation and needs.
If you get into an accident that causes you to develop a certain injury, become disabled or be unable to work, voluntary accident insurance can come into play. You can receive a lump sum payment to help with expenses related to your injury. This can help relieve the financial burden you may face while you recover.2
Voluntary accident insurance covers certain types of injuries and expenses, which vary from plan to plan. Some examples of injuries include severe burns, skin grafts, concussions, joint replacements, eye injuries, and lacerations. Many policies may also help pay for expenses, such as ambulance costs, physical therapy, and hospital stays.2
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
Many employers include voluntary accident insurance as an option in their benefits packages. You can access this type of policy easily and conveniently if your employer offers it. Once you enroll, deductions may come out of your paycheck, so you don’t have to worry about a monthly bill. Individual accident insurance, however, is a policy you find, apply for, and pay for on your own, without an employer.
Here are some advantages that accident insurance offers:
Your primary health insurance plan might not cover all of the expenses that stem from an accident. Accident insurance can help provide you with the extra coverage you may need.
Typically, voluntary accident insurance is relatively inexpensive. The price depends on factors like the insurer, where you live, and how much coverage you want.
By applying for accident insurance, you’ll get better peace of mind of knowing you’ll be protected from the high expenses that come with injuries. As a result, you might feel more confident pursuing activities that fulfill your life.
There are several reasons you may benefit from accident insurance. Maybe you lead an active lifestyle or participate in extreme sports or activities. Or perhaps you simply want additional coverage that your primary health insurance plan does not offer.
Voluntary accident insurance can come in handy if you get into an accident. It can help protect you and your loved ones from the financial burden that serious injuries often bring.
If your employer doesn’t offer voluntary accident insurance, don’t worry. Aflac’s individual accident insurance plans are a great alternative. They’re available to you regardless of your employment status. After a qualifying accident, you’ll receive a cash payout you can use in any way you’d like. Contact an Aflac agent for a quote or more information.
1 Healthinsurance.org – Voluntary Accident Insurance. https://www.healthinsurance.org/glossary/voluntary-accident-insurance/. Accessed April 28, 2023.
2 The Annuity Expert – A Guide to Accident Insurance. https://www.annuityexpertadvice.com/accident-insurance/. Accessed April 28, 2023
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
36000 series: In Arkansas, Policies A36100AR–A36400AR, & A363OFAR. In Delaware, Policies A36100DE—A36400DE, & A363OFDE. In Idaho, Policies A36100ID–A36400ID, & A363OFID. In New York, Policies NY36100- NY36400. In Oklahoma, Policies A36100OK– A36400OK, & A363OFOK. In Oregon, Policies A36100OR–A36400OR, & A363OFOR. In Pennsylvania, Policies A36100PA-A36400PA. In Texas, Policies A36100TX–A36400TX, & A363OFTX. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. 37000 series: In Arkansas, Policy A37000AR. In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In New York, Policy NY37000. In Oklahoma, Policy A37000OK. In Oregon, Policy A37000OR. In Pennsylvania, Policy A37000PA. In Texas, Policy A37000TX. In Virginia, Policies A371AAVA & A371BAVA.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. For complete details, including availability and costs, please contact your local Aflac agent.
Content within this article is for informational purposes only and does not constitute legal, tax, accounting or medical advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer will have to consider in their benefits decision-making process. This article contains a general overview and is not intended to portray any specific benefits or details of Aflac policies.
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