So the worst has happened. You’ve had an accident, and now your mind is racing with thoughts of soaring medical bills and extra expenses. You know your primary health insurance will cover the bulk of the burden, but a little extra help would go a long way. You’ve heard about Aflac’s accident insurance, and you’re wondering…can you get Aflac after an injury? It’s time to discover the details with the pros at Insurance Shops!
Not Retroactive
As a general rule, insurance will almost never cover you for previous events. Just like you can’t crash your uninsured car into a building, then call up Geico and expect them to cover you for your accident, you can’t expect accident insurance to cover you for a previous accident. There are definite exceptions to this, usually revolving around pre-existing health conditions, but in terms of concrete accident events – retroactivity just isn’t a thing.
Advantages Of Accident Insurance
Even though accident insurance won’t cover you for previous injurious, it’s certainly still worth considering. Aflac reports that 1 out of 8 people seek medical attention for injuries, and that the average cost for treating an accidental injury is $5,500. Having accident insurance can soften the financial blow of an unplanned injury, helping to offset the costs of ambulance rates, intensive care, therapy charges, rehabilitation, and diagnostic tests.
Is Accident Insurance Right For You?
If you’re wondering whether to go with accident insurance, we strongly encourage you to take a look at the premiums on your health insurance plans. If an accidental injury would leave you high and dry with uncovered payments, accident insurance might just be your saving grace.
Can You Get Aflac After An Injury? Ask Us!
Still wondering if your situation might be considered by Aflac after the fact? If you have specific questions about your own unique situation, Insurance Shops is here for you. Contact us today. We’ll answer your questions beyond the shadow of a doubt and help you put the “sure” in insurance!
