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Aflac® Accident Insurance

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Quack-cidents happen. Enter Aflac personal accident insurance

Bodily injuries are inconvenient, even at the best of times. But if an accident lands you in the doctor’s office or the hospital, your medical expenses can add up quick—really quick. That’s where Aflac personal accident insurance comes flapping in.

Aflac helps with the out-of-pocket expenses that your primary health insurance policy may not cover, like copayments, coinsurance, and deductibles. Aflac swoops in with cash benefits fast, processing and paying on your claim in as little as one business day with One Day Pay℠*. With Aflac, you can spend less time worrying about how you’re going to pay your medical bills and more time recovering.

Aflac accident insurance benefits

Why get Aflac personal accident insurance? What’s the benefit to you? Look at it this way: if you ever find yourself in an accident, you might be surprised at the amount of out-of-pocket expenses you may have as a result.

Then there’s the problem of short- or long-term disability. Often, recovering from an injury can force you to miss out on valuable time at work—and the income that comes with it. And if you’re like most people, you probably have other bills to take care of too. Aflac cash benefits could help relieve some of the financial stress following an accident by helping with the out-of-pocket expenses major medical insurance may not cover.

Your Aflac cash benefits help with:

  • Copayments, coinsurance, and deductibles
  • Lost income
  • Childcare
  • Living expenses
  • Other expenses that may not be covered by major medical

How does Aflac accident insurance work?

Supplemental accident insurance doesn’t have to be complicated. At Aflac, it’s surprisingly simple. You can quickly and easily upload all your documentation and begin your claims process using the Aflac SmartClaim® app. Then, let Aflac flap to it and handle the rest. It’s seriously that easy! After all, after an accident you already have enough to stress about.

A step-by-step accident insurance scenario at Aflac:

A mother holding her child and talking to the doctor


You have a covered accident.

A girl smiling while looking at her phone


You submit your accident claim via the Aflac SmartClaim app by 3 p.m. ET.

Paperwork on a desk


Aflac processes your claim in one business day and you receive cash benefits.

Get money for your accident claim fast with One Day Pay

Traditionally, health insurance companies can take weeks, even months, to process your claim, and some make excuses to avoid paying on your policy. With Aflac One Day Pay℠, you don’t have to wait to get a response on your claim and get the money you need. Process and pay, not deny and delay—that’s the Aflac way.

Three simple steps to get paid fast:

1. Use the Aflac
SmartClaim® app

2. Upload your
supporting documents

3. Submit Monday-
Friday by 3:00 p.m. ET