What is Accident Insurance Coverage?

Accidents can happen when you least expect them, and even a minor injury can lead to medical bills, missed work and other unexpected expenses. Accident insurance can offer financial support if you suffer an unexpected injury, giving you added help while you recover.

Aflac offers accident insurance for individuals and families that pays cash benefits directly to you, unless otherwise assigned. Read on to learn what accident insurance is, what accident insurance covers and when personal accident insurance coverage may be worth considering.

4 min. read

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Key Takeaways

Accident insurance is supplemental insurance coverage that can help you cover costs after a covered accidental injury.
Aflac's accident insurance pays cash benefits that can help cover your deductibles, copays, lost wages and other expenses
Personal accident insurance coverage may be worth it if you have an active lifestyle, drive often, are self-employed or work in a high-risk job.

What is accident insurance?

Accident insurance is a supplemental policy that can help provide financial support after a covered accidental injury. Even with primary health insurance, you may still face some out-of-pocket costs, such as deductibles, copays, coinsurance or other recovery-related expenses.

An accident insurance plan works alongside your primary medical insurance and can help with expenses that arise after a covered accident.¹

What does accident insurance cover?

Aflac’s accident insurance plan for individuals and families helps cover treatments and procedures you may need after a covered accident. Coverage can vary by policy, but accident insurance may help with costs related to:

Emergency treatment
Hospital stays
Fractures or dislocations
Burns, cuts or concussions
Follow-up care
Physical therapy
Ambulance services
Accidental death or dismemberment

Aflac pays cash benefits directly to you, unless otherwise assigned, so you can use these benefits where they help most. If you have any questions about what accident insurance covers, reach out to an Aflac agent for more information.

How much does accident insurance coverage cost?

The cost of accident insurance coverage depends on several factors such as your age, location and selected benefits. Aflac's accident insurance costs can fit into many budgets. More importantly, they can help you save money after a covered accident.

For example, let’s say you break a leg. On average, this injury can cost up to $7,500.2 Even if your primary medical insurance plan pays for a portion of your treatment, you may still owe some out-of-pocket costs.

Accident insurance coverage with affordable monthly premiums can help offset expenses after a covered accident.

Advantages of getting accident insurance coverage

Accident insurance coverage can offer several benefits, including the ability to:

Receive more financial protection: Accident insurance can help you pay for costs your primary insurance may not fully cover after a covered accident.
Use your benefits for out-of-pocket expenses: Since Aflac’s accident insurance pays cash benefits directly to you, unless otherwise assigned, you can use them to help cover everything from medical bills to everyday expenses during your recovery.
Prepare for the unexpected: Accidents can strike out of nowhere. The right coverage can help you feel more prepared in case an injury happens.

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Why should I get accident insurance coverage?

Now that you understand how accident insurance works, you may be wondering whether it’s right for you. Here are some situations where personal accident insurance coverage may make sense:

You’re the primary wage earner: If your family depends on your income, accident insurance can help provide financial support during recovery from a covered injury.
You have a high-risk occupation: If you work a physically demanding or high-risk job, such as construction or emergency services, you may benefit from an accident insurance policy’s added financial protection.
You drive frequently: If you commute or spend a lot of time on the road, accident insurance can provide additional support after a covered accident.
You’re self-employed: If you’re self-employed, you may not have access to group accident insurance through an employer, so an individual plan may be worth considering.

How to make an accident insurance claim

If you decide to get an accident insurance policy, it’s important to understand how to file a claim. After a covered accident, you can file a claim by:

Contacting your insurer: Let your insurer know about the covered accident and provide your policy number, the accident date, location and other key details.
Seeking treatment: Get medical care for your injury and keep detailed documentation of your receipts, prescriptions and medical records.
Filling out paperwork: Complete the forms your insurer provides online or in hard copy.
Cooperating with the claims adjuster: Provide any requested documents or information to help your claim move forward.

Awaiting payment: After reviewing and approving your claim, your insurer will send payment. Payment amounts vary based on your coverage, injury and policy terms.

Explore Aflac’s accident insurance coverage

Accident insurance can help provide financial protection if you suffer a covered injury. Now that you have a better idea of what accident insurance covers, you may want to explore Aflac’s accident insurance.

Aflac offers supplemental accident insurance coverage for individuals and families that you can purchase directly from us. Chat with an agent today to understand your options and get a quote.
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