What is hospital confinement indemnity insurance?  No matter how good your major medical insurance is, when you're hospitalized for an injury or illness there will probably be medical expenses and out-of-pocket costs that aren't covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to extensive hospital coverage. Whether you want a policy that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation, Aflac can help.

Some Aflac advantages:

  • No deductibles
  • HSA-compatible policy available
  • We don't use networks, so you can be treated at the hospital of your choice
  • No precertification
  • You own your policy, so even if you change jobs or retire, you can take it with you

 

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

Notice to Consumer: The coverages provided by Aflac represent supplemental benefits only. They do not constitute comprehensive health insurance coverage and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Aflac coverage is not intended to replace or be issued in lieu of major medical coverage. It is designed to supplement a major medical program.

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.

Level(s)

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    Aflac Choice Option 1

    Aflac Choice complements major medical insurance and is designed to help cover your out-of-pocket expenses while you focus on recovery.

    Aflac Choice allows for flexibility by having a base policy with optional riders that can be selected based on your needs.

    This insurance policy provides a Hospital Confinement Benefit and a $100 Emergency Room Benefit, a $100 Hospital Short-Stay Benefit, and a $100 Rehabilitation Facility Benefit. This plan includes new and improved benefits that help cover costs such as telemedicine, sleep studies, psychologist visits and acute care.

     

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    Aflac Choice Option H Plan

    Aflac Choice complements major medical insurance and is designed to help cover your out-of-pocket expenses while you focus on recovery.

    This insurance policy has a benefit structure that is specifically designed to be compatible with a health saving account (HSA). The plan includes a Hospital Confinement Benefit, a Daily Hospital Confinement Benefit, a Daily Intensive Care Unit Confinement Benefit, and a Waiver of Premium Benefit.

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.

     

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    Aflac Plus Rider HSA-Compatible

    The Aflac Plus Rider pays a specific benefit amount when you are diagnosed with a covered event. This rider is HSA-Compatible.

    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.

     

Still have questions?

  • 1.800.992.3522
  • www.aflac.com
  • Aflac Worldwide Headquarters
    1932 Wynnton Road
    Columbus, GA 31999