Aflac® Accident Insurance helps provide cash benefits for covered accidental injuries and related medical care. Depending on your plan, benefits may be available for ambulance transportation, emergency room visits, hospital stays, surgeries, fractures, burns, concussions, physical therapy, follow-up care, and more. Cash benefits are paid directly to you, so you can use them for medical bills, household expenses, lost income, or whatever you need most during your recovery.

The cost of Aflac® Accident Insurance depends on factors such as your age, the level of coverage you choose, and whether you're purchasing individual or family coverage. Plans are designed to be affordable and flexible, making it easy to find protection that fits your budget. The easiest way to determine your exact premium is to request a personalized quote by clicking "Find My Plan."

One of the biggest advantages of Aflac® Accident Insurance is that cash benefits are paid directly to you after an approved covered claim. Unlike traditional health insurance, you decide how to use the money. Many people use their benefits to help pay deductibles, medical bills, rent or mortgage payments, groceries, transportation, childcare, or other everyday expenses while they recover.

No. Your monthly premium is guaranteed to remain the same after a covered accident. Your rate will not increase simply because you file a claim or receive benefits. As long as your policy remains active and premiums are paid, you can continue enjoying the same coverage without worrying about your monthly rate increasing due to an injury.

Accidents can happen anytime—at home, at work, while traveling, or playing sports. Even with good health insurance, deductibles, copays, and other unexpected expenses can add up quickly. Aflac® Accident Insurance helps fill those financial gaps by providing cash benefits when you need them most, giving you greater peace of mind and helping protect your savings during an unexpected injury.