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When the unexpected happens, a trip to the hospital may be necessary. Traditional health insurance rarely covers all of your hospital bills, which is why hospital indemnity insurance can be so valuable. This policy can help you cover costs that aren’t covered by your primary health insurance. Aflac offers cost-effective hospital insurance through worksite payroll deduction that can help you cover co-pays, deductibles, and more unexpected out-of-pocket costs.
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Hospital indemnity insurance is a type of supplemental insurance policy that can help pay for hospital-related expenses that aren’t covered by primary health insurance. Policies work differently between plans and insurers, but Aflac’s hospital insurance pays cash benefits, unless otherwise assigned. You can use these benefits to pay for co-pays, deductibles, or uncovered treatments.
Here are some hospital-related costs that hospital indemnity insurance may assist you with:1
Hospital indemnity insurance can have several significant benefits:
Aflac's hospital indemnity insurance is designed to help you cover unexpected out-of-pocket costs that can accumulate while visiting the emergency room.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedEven though our hospital indemnity insurance plans are only available through employer payroll deductions, Aflac offers other individual supplemental options that you may want to consider. These plans can still help financially protect you if you're faced with high hospital bills. The supplemental plans listed below can be applied for individually and premiums can be paid on a direct basis:
Everyone has different insurance coverage wants and needs. Hospital indemnity insurance may be worth it if:
Hospital indemnity insurance can help reduce your out-of-pocket costs after a trip to the hospital. Aflac offers hospital indemnity insurance plans through worksite payroll deduction, so employers can help employees feel better prepared for life’s curveballs. Our plans pay cash benefits directly, unless otherwise assigned, to help with unexpected costs. To learn more about hospital indemnity insurance, chat with an Aflac agent today.
Get Started
Accident insurance can ensure you’re covered in the event of an unexpected injury. Learn how accident insurance coverage works and whether it’s worth it.
Hospital indemnity insurance offers coverage if you’re hospitalized. Learn how hospital indemnity insurance works to decide whether this plan is worth it.
Accident insurance can ensure you’re covered in the event of an unexpected injury. Learn how accident insurance coverage works and whether it’s worth it.
Hospital indemnity insurance offers coverage if you’re hospitalized. Learn how hospital indemnity insurance works to decide whether this plan is worth it.
1 Forbes - What Is Hospital Indemnity Insurance? Published September 23, 2025. https://www.forbes.com/advisor/insurance/health-insurance-hospital-indemnity-insurance/ Accessed February 10, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac Coverage:
Accident, A36000 Series - (Not available in AR, DE, OK, OR, TX or VA). In Idaho, Policies A36100ID–A36400ID, & A363OFID. A37000 Series - (Not available in ID or VA) In Delaware, Policies A371AA & A371BA. In Oklahoma, Policies A371AAOK & A371BAOK. A38000 Series) - (Not approved in NY or PA). In Delaware, Policies A38100DE – A38300DE & A382OFDE. In Idaho, Policies A38100ID – A38300ID. In Oklahoma, Policies A38100OK – A38300OK & A382OFOK. In Virginia, Policies A38100VA – A38300VA, & A382OFVA.
Cancer/Specified-Disease, A72200 Series - (Not available in MD & PA). - In Delaware, Policy A72200. In Idaho, Policy A72200ID. In Oklahoma, Policy A72200OK. In Virginia, Policy A72200VA. A75000 Series - In Virginia, policies A75100VA–A75300VA. B70000 Series - (Not available in NY or VA). - In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID & B70300ID. In Oklahoma, Policies B70100OK, B70200OK & B70300OK.
Critical Illness/Specified-Health Event, A74000 Series, (Not available in AZ, KY, NJ, NY, PR or TN). - In Delaware, Policies A74100DE, A74200DE & A74300DE. In Idaho, Policies A74100IDR, A74200IDR & A74300IDR. In Oklahoma, Policies A74100OK, A74200OK & A74300OK. In Virginia, Policies A74100VA, A74200VA & A74300VA. A73000 Series, (Not available in CT, NJ, PR or WA). In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100IDR & A7310HIDR. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA & A7310HVA. B71000 Series, (Not available in CO, ID, KY, MD, ME, NJ, NY, OH, PR, RI, VA or WA..) -.In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK.
Hospital Hospital Confinement Indemnity, B40000 Series, (Not available in NJ). - In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policy B4010HIDR. In Oklahoma, Policies B40100OK & B4010HOK. In Virginia, Policies B40100VA & B4010HVA.
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 Coverage:
Accident, T37000 Series (Not available in New York or New Jersey). In Delaware, Policy T37000. In Idaho, Policies T37100IDR, T37200IDR, & T37300IDR. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA, T37600VA.
Cancer/Specified-Disease, T70000 Series (Not available in New York or New Jersey). In Delaware, Policy T70000DE. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Virginia, Policies T70000VA & T70000GVA.
Critical Illness, T71000 Series (Not available in GU, ID, NH, NJ, NY, NM, PR or VI ). In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.
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 (NAIC 92908).
Coverage may not be available in all states. 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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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