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

Key features include:

• Organized Sporting Activity Benefit
• Wellness
• Waiver of Premium (Due to total Disability)
• Prosthesis Repair / Replacement
• Home Modification
• Family Support

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 Advantage - Option 4

    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, and lodging, as well as a daily hospital confinement benefit that starts at $300 per day.

Learn More About Rates
Subscriber(s)Monthly Premium
Named Insured and Spouse$36.00
One-Parent Family$43.00
Two-Parent Family$56.00

The rate ranges above are for illustrative purposes only and do not imply coverage. Different factors (such as age, plan level, and optional riders) are used when calculating the actual premium rate. Please see the accompanying product brochure for complete details, limitations, and exclusions.

Note: Biweekly employees will have 24 deductions with two periods having no deductions for Aflac. Employees who are 9-pay or 10-pay will have condensed premiums to reflect the number of payroll deductions available to them.

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Learn more about Aflac accident insurance coverage.

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What Aflac customers say

  • The Schlapkohl Family. Real Aflac Stories, Accident Insurance

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    The Schlapkohl Family. Real Aflac Stories, Accident Insurance