Every 40 seconds, someone in the U.S. has a heart attack or stroke or is diagnosed with cancer or other serious disease.* If it happens to you, shouldn’t your primary focus be on getting well—not worrying about how to pay for your treatment and care?
Critical Illness** Insurance can help you by paying a lump sum benefit if you are diagnosed with a covered illness or condition. Features of this insurance include:
The cost of Critical Illness Insurance varies based on your age and the amount of coverage. It is very likely that your monthly premiums will be less than your monthly lunch budget.
This is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. There are no co-pays or reimbursements for services.
**Critical Illness is referred to as Specified Disease in some states.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance plans have given insureds the opportunity to focus on recovery, not financial stress.
Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.
For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.
How can this help me?
Aflac pays cash benefits directly to you, unless otherwise assigned. This means that you will have added financial resources to help with medical costs or ongoing living expenses. Aflac plans are designed to provide you with a lump sum cash benefit to help you cover out-of-pocket medical and other expenses caused by a critical illness.
When can I enroll?
As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
What if my employment status changes?