What is group critical illness insurance? It's a way for you to stay ahead of the medical and out-of-pocket expenses that can accompany a specific critical illness. After a waiting period, a lump sum benefit is payable upon initial diagnosis of each covered illness, including:

  • Cancer (internal or invasive)
  • Heart attack
  • Stroke
  • Major organ transplant
  • Renal failure (end-stage)

A 25% benefit is payable for carcinoma-in-situ and coronary artery bypass surgery. Payment of the partial benefit will reduce the Internal Cancer or Heart Attack benefits by 25%.

Additional occurrences must be separated by at least 90 days.

Additional occurrences must be separated by at least 6 months. Re-occurrences must be separated by at least 12 months, or for cancer, 12 months treatment free..

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

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You can review all of your plans for coverage below. Please refer to the attached brochure for details on benefits, limitations, and exclusions before applying for coverage.

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    Group Critical Illness Insurance

    This insurance coverage is there for you in the event of a covered critical illness and will pay you a lump sum benefit if you are diagnosed with a covered critical illness such as heart attack, stroke, end-stage renal failure, cancer or if a physician determines you need a major human organ transplant. It also has a Health Screening Benefit for preventive care, which covers tests such as mammograms, colonoscopies, chest X-rays, and pap smear tests.

Guaranteed issue amounts are available: $20,000 for employees and $10,000 for spouses. Employee benefit amounts are available from $5,000 to $50,000. Spouse coverage is also available in benefit amounts up to $25,000, not to exceed one half of the employee’s amount.

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Group Critical Illness Employee Non-Tobacco Monthly Premium


Group Critical Illness Spouse Non-Tobacco Monthly Premium


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  • Learn more about Aflac group critical illness insurance coverage

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    Learn more about Aflac group critical illness insurance coverage