Support in Uncertain Times
A serious illness can happen without warning, and the financial impact can be overwhelming. Aflac® Critical Illness Insurance provides cash benefits when you're diagnosed with a covered critical illness, such as a heart attack or stroke. Those benefits are paid directly to you and can be used for medical bills, household expenses, lost income, or other everyday costs. At Simple Benefit Options, we'll help you find coverage that gives you added financial protection and greater peace of mind when life takes an unexpected turn.
How Does It Work?
Aflac® Critical Illness Insurance pays a lump-sum cash benefit directly to you when you're diagnosed with a covered critical illness. The money is yours to use however you choose—not your doctor or hospital—and can help cover medical bills, household expenses, lost income, or other unexpected costs. Your benefit amount also increases over time, growing by $500 each year for up to 10 years, helping your coverage keep pace with your changing financial needs.
Common Questions
Aflac® Critical Illness Insurance helps provide cash benefits when you're diagnosed with a covered critical illness. Depending on the policy, covered conditions may include heart attack, stroke, coma, paralysis, end-stage renal failure, major organ transplant, bone marrow transplant, and other qualifying illnesses or procedures. Coverage varies by state and plan, so our knowledgeable agents can help you review the available options.
While both plans provide valuable financial protection, they cover different health events. Aflac® Cancer Insurance is designed specifically for covered cancer diagnoses and related treatments. Aflac® Critical Illness Insurance provides cash benefits for a broader range of covered conditions, such as heart attack, stroke, coma, paralysis, and other qualifying critical illnesses. Many individuals choose to carry both types of coverage for more complete protection.
If you're diagnosed with a covered critical illness, Aflac® Critical Illness Insurance pays a lump-sum cash benefit directly to you. You decide how to use the money—whether it's for deductibles, medical bills, household expenses, travel, lost income, or other financial needs during your recovery. The flexibility of direct cash benefits is one of the biggest advantages of supplemental critical illness coverage.
Most Aflac® Critical Illness Insurance policies do not cover pre-existing conditions. A pre-existing condition is generally any illness or health issue for which you received treatment, were diagnosed, or experienced symptoms before your coverage became effective. Because policy provisions vary, our agents can help explain eligibility requirements and answer any questions before you enroll.
A serious illness can create unexpected financial challenges even if you have major medical insurance. Aflac® Critical Illness Insurance helps provide cash benefits that can be used for medical expenses, household bills, transportation, lost income, or other everyday costs while you recover. Having this additional financial protection allows you to focus more on your health and less on the financial impact of a critical illness.
Get Cash to Cover Your Expenses
Aflac® Critical Illness Insurance provides a lump-sum cash benefit when you're diagnosed with a covered critical illness. Benefits are paid directly to you and can be used for medical bills, household expenses, lost income, or any other financial needs during your recovery. Additional benefits may also be available for certain covered events and procedures, including the following:
Initial Diagnosis
- Lump sum of $25,000
- Covered illnesses include heart attack, stroke, coma, and more
Cardiac Procedure
- Lump sum of $6,250
- Applies if you have coronary artery bypass graft surgery
Recurring Illness
- Lump Sum of $12,500
- Manage costs of repeat treatments or care
New Event
- Lump Sum of $12,500
- Helps cover new expenses
- Added protection beyond your initial claim
Sign Up for Peace of Mind
Finding the right Aflac® Critical Illness Insurance plan is simple. Click the button below, enter your ZIP code and a few details, and view the plans available in your area. If you have questions or need assistance, our knowledgeable agents are here to help. 1-855-769-1832 for personal service, and we'll help you find critical illness coverage that provides added financial protection and greater peace of mind when you need it most.
