Aflac Company Overview
Aflac is the number one provider of individual health insurance and guaranteed-renewable insurance (National Underwriter, "Life & Health Statistical Report," August 18/25, 2008).
If you have an accident or illness that prevents you from working, the last thing you need to worry about is how you'll pay your bills. That's where Aflac comes in. Our insurance policies may help with those out-of-pocket expenses not covered by your major medical insurance. whether it's ordinary living expenses like food and household bills or medical treatments such as physical therapy, Aflac can help you be prepared for whatever life may bring.
How Do Aflac Benefits Work
Aflac insurance policies pay cash benefits directly to you, unless assigned, regardless of any other insurance you may have. We pay cash benefits fast-processing most claims within four days (company statistics, December 31, 2007). You own the policy and manage the cash benefits. Aflac's policies are portable, so you keep your coverage if you change jobs or retire.
Most Popular Aflac Policies
Accident - Aflac's accident insurance policy is designed to pay benefits that help you cover the ongoing expenses incurred after an accident injury, from copayments to lodging and travel, and includes a wide range of benefits that other plans may not cover, such as emergency treatment, follow-up treatment, annual wellness benefit, and initial hospitalization. Family coverage is available.
Hospital Confinement Indemnity - Aflac's hospital confinement indemnity insurance policy helps with the noncovered expenses of a hospital stay. We pay a benefit when you're required to stay in a hospital for 24 hours or more for a covered sickness or injury. Family coverage is available.
Short-Term Disability - Aflac's short-term disability insurance policy helps with the loss of pay resulting from a sickness or off-the-job injury through monthly benefits. We pay a cash benefit for each day you're disabled. (Subject to benefit periods and elimination periods). The policy is guaranteed-renewable to age 70 and portable (the policy stays with you regardless of job changes).
Cancer - Aflac's cancer insurance policy helps with medical expenses related to cancer treatment. Cancer treatment can cause out-of-pocket expenses that aren't covered by major medical insurance. Benefits can be used to help with the cost of cancer treatment, including hospital stays, nursing services, cancer surgery/anesthesia, and much more. Family coverage is available.
Life Insurance - Aflac can be offered as either a primary source of life insurance or enhance current life coverage in place. Employees will appreciate the convenience of applying for the coverage they want and need. Aflac Life is designed to be easily administered.