What is accident insurance? It's a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.
When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them.  It's as simple as that. 

You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance:

  • Broken teeth
  • Concussions
  • Intensive care unit confinement
  • Ambulance, ground and air
  • Emergency room
  • Lacerations

This is for illustrative purposes only. Benefits may not be available in all states.

View Plan Options

You can review all of your plans for coverage below. This is a brief overview. There may be multiple levels of the same coverage. Benefits and benefit amounts are determined by state, plan level, and type of coverage selected. Refer to the attached brochure for details on benefits, limitations, and exclusions before applying for coverage.


  • Download PDF
    Accident Indemnity Advantage - Plan 2

    This insurance policy helps provide you with a higher level of protection for accidental injuries. It provides a range of benefits such as initial hospitalization, emergency treatment, transportation, lodging, and wellness as well as a daily hospital confinement benefit that starts at $250 per day. HSA Compatible.

Watch video to learn more

  • Why Aflac Accident Indemnity Advantage Insurance?

    Watch Video
    Why Aflac Accident Indemnity Advantage Insurance?

What Aflac customers say

  • "Thanks to Aflac's help, I have been able to solely focus on my son's recovery."

    Read Magda's Story
    "Thanks to Aflac's help, I have been able to solely focus on my son's recovery."

    Magda Dominique

    Accident Policyholder

    Aflac is more than a company; Aflac turned out to be a tremendous friend and helper to me and my family in our time of needs.

    I had just applied for the Aflac accident insurance policy - only two months prior - when my oldest son got injured. Despite my short tenure with the company, they guided my every step and handled my claims promptly.

    Thanks to Aflac's help, I have been able to solely focus on my son's recovery. I did not have to worry about the financial burdens that his serious injury could have caused.

    Again, thanks Aflac for your continued support, outstanding and prompt responses and fantastic and caring staff.

    If you do not have Aflac, please call them immediately because, like me, it could help make a difference in your life and that of your family.

    Magda Dominique

  • "Little did I know how beneficial it (Aflac's accident policy) would prove to be."

    Read Monica's Story
    "Little did I know how beneficial it (Aflac's accident policy) would prove to be."

    Monica Mullins

    Accident Policyholder

    I originally contacted my Aflac agent to apply for an Aflac cancer insurance policy due to a family history. He mentioned the Aflac accident insurance to me. I had never considered it, but am a serious cyclist and runner. He explained the benefits of the policy and I thought it sounded worth a little monthly expense.

    Little did I know how beneficial it would prove to be.

    On September 14, 2010, I was struck from behind by a pickup truck while on a training ride with a teammate. I fractured my L1 vertebrae, broke my nose, fractured my orbital floor, and had a number of major lacerations.

    My Aflac benefit check came quickly which helped enable me to pay for out-of-pocket expenses.

    The peace of mind regarding the pending medical expenses was invaluable.

    I'm back racing and running!

    I do so with the security that Aflac literally has my back.


    Monica Mullins