Critical Illness Plans

On average, someone in the U.S. will suffer a heart attack every 34 seconds, and about every 40 seconds someone in the U.S. has a stroke. Recovery is tough, but it’s tougher when the bills start to come in. Aflac Group Critical Illness insurance helps employees recuperate without the stress or worry over financial setbacks.

Individual Products

  • Aflac Plus Rider – CI Rider Series

    At-A-Glance

    In the landscape of health care reform, now more than ever, people want a more robust benefits package to help protect them from the costs associated with serious illnesses such as heart attacks, strokes, Type 1 diabetes, Advanced Alzheimer’s Disease, and Advanced Parkinson’s Disease.

    Aflac’s way to help with this need is the Aflac Plus Rider–a small cost rider with a BIG impact. The Aflac Plus Rider provides a boost of protection to help guard against the uncertainty of what health care reform and even some major medical plans don’t cover.

    Key Features

    • Rider is guaranteed-issue
    • Available on new or existing Accident Indemnity Advantage (Series A35000), Aflac Accident Advantage (Series A36000), Cancer Care (Series A78000), Cancer Protection Assurance (Series B70000), Aflac Hospital Advantage (Series A49000), Aflac Choice (Series B40000) or Aflac Short-Term Disability (Series A57600) policies (availability may vary by state)
    • For the first time ever, critical illness events such as type 1 diabetes, traumatic brain injury, Advanced Alzheimer’s Disease, and Advanced Parkinson’s Disease are now included
    • Spouse and dependent children are covered at the same amount as the primary insured (Note: For Aflac Short-Term Disability, the only coverage type is individual.)
    • HSA-compatible version available
  • Critical Care and Recovery – seriesNow, more people survive a critical illness such as heart attack and stroke than ever before, but most face a lengthy — and expensive — recovery.Aflac’s Critical Care and Recovery insurance policy pays customers cash benefits that can help with ongoing expenses during recovery.Formerly the Specified Health Event insurance policy, the Aflac Critical Care and Recovery insurance is a competitive offering to employers. Reduced payroll underwriting means faster, easier approvals and enrollments, and two plan options offer flexibility and affordability (plans to fit most budgets).Both plan options provide benefits such as:
    • First-Occurrence Benefit
    • Reoccurrence Benefit
    • Hospital Confinement Benefit
    • Continuing Care Benefit

    Plan 2 offers additional benefits, including:

    • Hospital Intensive Care Unit Benefit
    • Major Human Organ Transplant Benefit
  • Critical Care Protection – series

    At-a-glance

    Critical Care Protection helps provide comfort to individuals who are concerned with the financial liability a serious health event can leave behind and offers multiple coverage options to accommodate almost any budget. Unlike other critical illness insurance policies on the market, Critical Care Protection helps cover expenses from initial diagnosis through treatment and provides options for more robust heart coverage.

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    Key Features

    • First-Occurrence Benefit increased to $7,500 for the named insured/spouse and $10,000 for dependent children
    • The Subsequent Specified Health Event Benefit increased to $3,500
    • New Option 3 has coverage for certain heart surgeries such as heart valve surgery, coronary stent implantation, pacemaker placement, cardiac catheterization, and much more
    • Increased benefit amount payable for coronary angioplasty to $1,000 for Option 1 and Option 2 (Option 3 pays $2,000 for coronary angioplasty)
  • Lump Sum Critical Illness – series

    At-a-glance

    With changes in health care, there has never been a better time to offer critical illness coverage. People are looking for peace of mind in today’s uncertain economy, and protecting their family in the event a covered family member is diagnosed with a critical illness is vital to help reduce the financial impact that may result.

    Aflac Lump Sum Critical Illness insurance helps policyholders recuperate with cash benefits paid directly to them. And unlike some other plans and coverage, the Subsequent Critical Illness Event Benefit has no lifetime maximum if the insured has a recurrence or another illness.

    Key Features

    • Guaranteed-issue available to all applicants for $10,000 of coverage (also available on the Lump Sum Cancer Benefit Rider)
    • Dependent children are covered at no additional cost
    • Guaranteed-renewable for life (benefits reduce by 50% at age 75)
    • HSA-compatible option available
  • Lump Sum Critical Illness – series

    At-A-Glance

    With changes in health care, there has never been a better time to offer critical illness coverage. People are looking for peace of mind in today’s uncertain economy, and protecting their family in the event a covered family member is diagnosed with a critical illness is vital to help reduce the financial impact that may result.

    An Aflac Lump Sum Critical Illness insurance policy helps policyholders while they recuperate with cash benefits paid directly to them. And unlike some other plans and coverage, the Subsequent Critical Illness Event Benefit has no lifetime maximum if the insured has a recurrence or another illness.

    The plan’s lump-sum cash benefits help with medical expenses to routine living expenses as well as the hidden costs of illness–travel, lodging, and miscellaneous out-of-pocket expenses. Critical illness coverage can help alleviate financial stressors that can take away from a healthy recovery.

    Key Features

    • Large lump sum benefit coverage for critical illness
    • Spouse and dependent children benefit amounts are the same as the primary insured’s
    • The Major Critical Illness Event Benefit and the Subsequent Critical Illness Event Benefit have no lifetime maximum
    • Guaranteed-renewable to age 75
  • Personal Recovery Plus – series A-70000Now, more people survive a critical illness such as heart attack and stroke than ever before, but most face a lengthy – and expensive – recovery.Aflac’s Personal Recovery Plus insurance policy pays customers cash benefits that can help with ongoing expenses during recovery.Specified health events covered by the policy include:
    • Coma
    • Stroke
    • Paralysis
    • Heart attack
    • End-stage renal failure
    • Major third-degree burns
    • Coronary artery bypass surgery
    • Major human organ transplant
    • Sudden cardiac arrest

    Benefits include:

    • First-occurrence benefit
    • Reoccurrence benefit
    • Ambulance, transportation and lodging benefits
    • Hospital confinement benefit
    • Continuing care benefit

Group Products

  • Group Critical IllnessNow, more people survive a critical illness such as heart attack and stroke than ever before, but most face a lengthy – and expensive – recovery.Aflac’s Personal Recovery Plus insurance policy pays customers cash benefits that can help with ongoing expenses during recovery.Specified health events covered by the policy include:
    • Coma
    • Stroke
    • Paralysis
    • Heart attack
    • End-stage renal failure
    • Major third-degree burns
    • Coronary artery bypass surgery
    • Major human organ transplant
    • Sudden cardiac arrest

    Benefits include:

    • First-occurrence benefit
    • Reoccurrence benefit
    • Ambulance, transportation and lodging benefits
    • Hospital confinement benefit
    • Continuing care benefit
  • Group Critical Illness 21000Beating a critical illness is tough, but it’s tougher when the bills start to add up. An Aflac group critical illness insurance plan helps certificateholders recuperate without worry over financial setbacks that can cause stress and slow recovery time.The plan’s lump sum cash benefits can be used to help cover medical expenses (that major medical isn’t intended to cover) to routine living expenses as well as the hidden costs of illness—travel, lodging, and miscellaneous out-of-pocket expenses. Aflac group critical illness coverage can help alleviate financial stressors that can take away from a healthy recovery.