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Don’t have medical Insurance?  Need a little EXTRA something to get by?  AFLAC’s supplemental insurance policies are just the ticket.   

  • What if you were sick or hurt?  How would you pay for those unexpected expenses?
  • You can use your AFLAC benefits to help pay for groceries, childcare and rent.  It’s totally up to you.
  • AFLAC has a range of products that can fit most budgets.  The benefits are predetermined and paid regardless of any other insurance coverage you have. 
  • Claims are easy to file & AFLAC usually pays accepted claims within 3 days. 
  • AFLAC wants you to stay healthy, so they promote preventative care; included in some policies.
  • AFLAC is NOT medical insurance and pays directly to YOU not the doctor or hospital. 
  • Policies start as little as $10 a week.   
  • Policies can be written for individuals or as an employee benefit for businesses.
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     AFLAC policies CAN BE combined with your existing coverage
     to give you more benefits at a reasonable cost
    .  

    Accident
    • Emergency Treatment benefits
    • Specfic-Sum Injuries benefit
    • Accidental - Death Benefit
    • Initial Hospitalization Benefit
    • Plus much more     
    • In 2002, about 36 percent of all hospital emergency visits in the United States were injury related.
    • a disabling injury occurs in the hom eabout every 4 seconds.
    • unintentional injuries ar ethe leadin gcause of dealth for people ages 1 to 34 and are 5th leading cause of death overall. 

    Injury Facts, 2004 Edition, National Safety Council

     Cancer
    Specified
    Disease
    • First Occurrence Benefit
    • Hospital Confinemnt period
    • Radiation & Chemotherapy benefit
    • Cancer Screening Wellness benefit
    • Plus much more
    • In the United States, men have slightly less than a 1-in2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3.
    • Approximately 9.8 million Americans with a history of cancer wer alive in January 2001.
    • The five-year relative surivial rate for all cancers combined is 64 percent.

    American Cancer Society, Cancer Facts & Figures 2005

    Hospital Confinment Indemnity
    • Hospital Confinement Benefit
    • Rehabilitation Unit Benefit
    • Surgical Benefit
    • Plus much more
    • In 2002, an average hospital stay cose $7,354.60.
    • In 2002, outpatient surgery accounted for 63 percent of all operations.

    Hospital Statistics 2004 Edition, Health Forumn LLC

     Hospital
    Intensive
    Care
    • Daily ICU Confinement Benefit
    • Daily Subaute Unit Confinement Benefit
    • Plus mush more
    • The cost differebce between a general hospital room and a trip ti the ICU, particularly for coronary and neonatal care, is huge.  Beyond the room charges, expenses can soar well above the benefit levels of standard health plans. 
    Hospital
    Confinement
    Sickness
    Indemnity
    • Hospital Confinement Benefit
    • Rehabilitation Unit Benefit
    • Surgical Benefit
    • Plus much more
    • Illness rather than injury is the leading cause of emergency room visits*.  The deman for coverage that addresses physician costs for treatment of sickness continues to escalate.

    * Injury Facts, 2003 Edition, National Safety Council

    Specified
    Health
    Event
    • Pays a First Occurence Benefit as well as Hospital Confinement and Continuing Care Benefits For:  Heart Attack & Coronary Artery Bypass Surgery; Stroke; End-stage Renal Failure; Major Human Organ Transplant; Major Third-Degree Burns; Coma & Paralysis
    • About every 26 seconds, an American will suffer a coronary event.  In fact, 1,200,000 new or recurring cases are estimated annually.
    • On average, someone in the United States has a stroke every 45 seconds.  Each year, about 700,000 people experience a new or recurrent stroke.  Between 50-70 percent of stroke survivors regain functional independence.

    American Heart Association, Heart Disease & Stroke Statistics - 2005 Update

     Dental
    • Freedom of Choice (pick your dentist)
    • Portable
    • Guaranteed renewable at the same payroll rate
    • Pays regardless of any other insurance you may have
    • No deductible
    • Good Oral care - including periodic wellness visits - help reduce the likelihood of expensive treatment late on.  For every $1 spent on prevention in oral health care, $8 to $50 are saved in restorative and emergency treatment.

     

    "Take a Bite Out of Dental Expenses", ADHA, September 29, 2004




     

     

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