What does Aflac hospital indemnity pay?
What does Aflac hospital indemnity pay?
Initial Hospitalization Benefit Aflac will pay $250 per period of hospital confinement** when a covered person is confined to a hospital for at least 24 hours for a covered sickness. This benefit is limited to one payment per calendar year, per covered person. No lifetime maximum.
Does Aflac hospital indemnity cover emergency room visits?
C. HOSPITAL EMERGENCY ROOM BENEFIT: Aflac will pay $100 when a Covered Person receives treatment for a covered Sickness or Injury in a Hospital Emergency Room, including triage, and a charge is incurred for such treatment. This benefit is payable twice per Calendar Year, per Covered Person. No lifetime maximum.
What does Aflac hospital confinement cover?
DAILY HOSPITAL CONFINEMENT BENEFIT: Aflac will pay $100 per day for the Period of Hospital Confinement when a Covered Person requires Hospital Confinement for a covered Sickness or Injury and a room charge is incurred. This benefit is payable in addition to the Hospital Confinement Benefit.
Does Aflac cover emergency C section?
(based on the Schedule of Operations listed in the policy) Aflac will pay one benefit per 24-hour period for surgery according to the benefits listed in the Schedule of Operations in the policy when, due to a covered sickness or injury, a covered person has a surgical operation, including a vaginal or cesarean delivery …
How much does Aflac pay for chiropractic visits?
CHIROPRACTIC TREATMENT BENEFIT: Aflac will pay $25 when a Covered Person receives chiropractic treatment for a structural imbalance from Injuries sustained in a covered accident. This benefit is payable for treatment by a Chiropractor in a Chiropractor’s office.
Does Aflac pay endoscopy?
C. INVASIVE DIAGNOSTIC EXAMS BENEFIT: Aflac will pay $100 when a Covered Person requires one of the following exams, with or without biopsy, and a charge is incurred: arthroscopy, bronchoscopy, colonoscopy, cystoscopy, endoscopy, gastroscopy, laparoscopy, laryngoscopy, sigmoidoscopy, or esophagoscopy.
How much does Aflac pay for emergency surgery?
No lifetime maximum. Surgical Benefit Aflac will pay $50–$1,000 when a surgical operation is performed, including a vaginal or cesarean delivery, on a covered person for a covered sickness or injury in a hospital or an ambulatory surgical center.
Does Aflac actually pay out on claims?
Once you file a claim and are approved, you’ll receive the payout associated with your policy. How you receive your payout will depend on which type of insurance you have through Aflac. Once you file a claim, you’ll receive cash benefits that are paid directly to you. Your cash benefit will be based on a fee schedule determined in your policy.
What types of coverage does Aflac offer?
Aflac offers insurance coverage for accident/disability, cancer, short-term disability, hospital intensive care, hospital confinement indemnity, hospital confinement sickness indemnity, long-term care, specified health event, life and dental. See “Programs” for further information.
Does Aflac have health insurance?
Aflac is a supplemental insurance company that provides a specialized type of coverage for individuals and their families. Instead of offering insurance of a standard type, Aflac sells medical and disability coverage that pays for lost income and costs associated with health insurance.
Is Aflac considered health insurance?
Aflac insures your life style. Unlike health insurance, Aflac pays you cash to help with bills or anything else you need in the event of illness or an accident when you can’t work. Working in conjunction with your health insurance, Aflac is considered to be an extra measure or extra financial protection.
Is Aflac a hospital indemnity plan?
Aflac offers hospital indemnity insurance, with premiums payable through worksite payroll deductions.
Is there a waiting period for Aflac hospital indemnity?
The Plan contains a 30-day Waiting Period. This means no benefits are payable for any Insured who has been diagnosed before their coverage has been in force 30 days from the Effective Date.
How does Aflac hospital indemnity work?
HOSPITAL SHORT-STAY BENEFIT: Aflac will pay $100 when a Covered Person receives treatment for a covered Sickness or Injury in a Hospital, including an observation room, or an Ambulatory Surgical Center, for a period of less than 23 hours and a charge is incurred for such treatment.
How much does Aflac pay for short term disability?
Monthly Benefit: $400–$6,000 (subject to income requirements) • Total Disability Benefit Periods: 6, 12, 18, or 24 months • Partial Disability Benefit Period: 3 months • Elimination Periods (Injury/Sickness): 0/7, 0/14, 7/7, 7/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180 • Optional rider available for on-the-job …
What does my Aflac hospital policy cover?
What is covered under hospital indemnity?
Hospital indemnity insurance is a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. The plan covers employees who are admitted to a hospital or ICU for a covered sickness or injury. And it’s available for companies with as few as two employees.
How much do you get for hospital indemnity?
It can be as affordable as $7 a month or as much as $463. The policy benefit is usually based on the number of days you are hospitalized. For example, a policy that pays $250 per day will provide you a lump sum of $750 if you spend three days in the hospital.
How long do you have to be out of work for Aflac short-term disability?
around three to six months
Short-term disability insurance typically covers employees experiencing a temporary covered illness or injury that keeps them out of work for a period of around three to six months, though the length depends on the specific policy.
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