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.


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    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.

Optional Rider(s)

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    Aflac Plus Rider

    The Aflac Plus Rider pays a specific benefit amount when you are diagnosed with a covered event.

    The Aflac Plus Rider provides an extra boost of protection from the costs associated with serious illnesses such as heart attacks, strokes, Type 1 diabetes, Advanced Alzheimer's Disease, and Advanced Parkinson's Disease.


Watch video to learn more

  • Why Aflac Accident Indemnity Advantage Insurance?

    Watch Video
    Why Aflac Accident Indemnity Advantage Insurance?

What Aflac customers say

  • The Schlapkohl Family. Real Aflac Stories, Accident Insurance

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    The Schlapkohl Family. Real Aflac Stories, Accident Insurance