Individuals & Families
Request a Quote
New messages from Aflac |
View Notifications opens a dialog
Close X dismisses the notification alert
Voluntary accident insurance is a supplemental accident policy. These types of plans are usually offered by employers but paid for by employees through payroll deductions.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.
Table of Contents
If you get into an accident that causes a covered injury, voluntary accident insurance can help provide support for eligible expenses. These plans may offer a lump sum payment to help with expenses related to your injury.2 This can help relieve the financial burden you may face while you recover.
Voluntary accident insurance helps cover certain types of injuries and expenses, which vary from plan to plan. Some examples of injuries include burns, concussions, dislocations, eye injuries, and lacerations. Many policies may also help pay for expenses, such as ambulance costs, physical therapy, and x-rays.2
Many employers include voluntary accident insurance as an option in their benefits packages. If your employer offers this type of policy, you may be able to enroll in coverage through your workplace. Once you enroll, deductions may come out of your paycheck, so you don't have to worry about a monthly bill. Individual accident insurance also provides supplemental coverage, however, you typically apply for, and maintain the policy on your own, without an employer.
Don't wait until it's too late. Help cover yourself and your family with coverage from Aflac.
Get StartedHere are some advantages that accident insurance can offer:
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 can have added peace of mind in knowing you'll be better protected from the high expenses that may come with treating your injuries. This can help ease concerns about the financial impact of a covered accident.
There are several reasons you may consider accident insurance. Perhaps you're looking for additional financial protection from the unexpected expenses that can result from a covered accident. Or maybe you want supplemental coverage to complement your primary health insurance plan.
Voluntary accident insurance may be worth considering if you get into an accident. It can help protect you and your loved ones from the financial burden that injuries may 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 covered accident, you may receive benefits that can help you manage the financial impact of an injury. Contact an Aflac agent for a quote or more information.
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.
Looking for student health insurance? Learn how health insurance for college students works and the types of student health insurance plans available.
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.
Looking for student health insurance? Learn how health insurance for college students works and the types of student health insurance plans available.
1 Healthinsurance.org – Voluntary Accident Insurance. Updated on March 30, 2026. https://www.healthinsurance.org/glossary/voluntary-accident-insurance/. Accessed August 21, 2026.
2 GoodRx – What Is Accident Insurance, and Is It Worth It? Updated on August 28, 2025. https://www.goodrx.com/insurance/health-insurance/what-is-accident-insurance. Accessed August 21, 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/producer.
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.
Accident, A37000 series: In Delaware, Policy A371AA & A371BA. In Oklahoma, Policies A371AAOK & A371BAOK. Not available in Idaho or Virginia. A38000 series: In Delaware Policies A38100DE – A38300DE & A382OFDE. In Idaho, Policies A38100ID – A38300ID. In Oklahoma A38100OK – A38300OK & A382OFOK. In Virginia, Policies A38100VA – A38300VA & A382OFVA.
Coverage 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).
Accident, T37000 series: In Delaware, Policy T37000. In Idaho, Policies T37100ID, T37200ID, & T37300ID. In Oklahoma, Policy T37000OK. In Virginia, Policies T37100VA, T37200VA, T37300VA, T37400VA & T37600VA.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM or NY. Benefits/premium rates may vary based on plan selected. 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
Z2300627R3
EXP 10/27
