Accident Insurance

You can use this money to help pay for medical expenses not paid by your medical plan (such as your deductible or coinsurance) or for anything else (such as everyday living expenses).

You receive a cash benefit up to a specific amount for:

• Ambulance
• Emergency treatment
• Hospital admission
• Intensive care
• Medical expenses
• Travel expenses to distant treatment centers
• Everyday living expenses, like rent or mortgage, utility bills, groceries, and more

Benefits are paid directly to you, unless you assign them to someone else. The actual benefit amounts depend on the type of injuries you have and the medical services you need.

Benefits and Coverage

The following table shows examples of benefits for services and supplies related to a covered accidental injury: one that happens while you are covered under the plan. The plan has limitations and exclusions that may affect benefits payable.

Contact Aflac for more information: 1.800.433.3036.

Accident Insurance	Payable for covered accidental injuries:
	High	Low
INITIAL TREATMENT (once per accident, within 12 months after the accident, not payable for telemedicine services) This benefit is payable for initial treatment received under the care of a doctor when a covered person visits the following:
Hospital emergency room with X-Ray / without X-Ray Urgent care facility with X-Ray / without X-Ray Doctor’s office or facility (other than a hospital emergency room or urgent care) with X-Ray / without X-Ray	$250/$200 $250/$200 $150/$100	$150/$100 $150/$100 $100/$50
AMBULANCE (within 12 months after the accident)	$400 Ground $1,200 Air	$200 Ground $800 Air
TRAUMATIC BRAIN INJURY (once per accident, within 12 months after the accident)	$5,000	$2,500
EMERGENCY DENTAL WORK (once per accident, within 12 months after the accident)	$50 per extraction $200 repair with a crown	$25 per extraction $75 repair with a crown
FRACTURES (within 12 months after the accident)	Up to $4,000 based on a schedule	Up to $2,500 based on a schedule
OUTPATIENT SURGERY AND ANESTHESIA (per day / performed in hospital or ambulatory surgical center, within 12 months after the accident)	$400	$200
INPATIENT SURGERY AND ANESTHESIA (per day / within 12 months after the accident)	$1,000	$500
HOSPITAL ADMISSION (once per accident, within 12 months after the accident)	$2,000 per confinement	$1,000 per confinement
HOSPITAL CONFINEMENT (maximum of 365 days per accident, within 12 months after the accident)	$200 per day	$100 per day
FAMILY MEMBER LODGING (greater than 100 miles from the insured’s residence, maximum of 10 days per accident, within 12 months after the accident)	$100 per day	$50 per day
APPLIANCES (within 12 months after the accident) Cane, ankle brace Walking boot, walker, crutches, leg brace, cervical collar Wheelchair, knee scooter, body jacket, back brace	$50   $200 $300	$25 $75 $150
THERAPY (maximum of 10 per accident, beginning within 12 months after the accident provided initial treatment is within 7 days after the accident)	$40	$20
CHIROPRACTIC OR ALTERNATIVE THERAPY (maximum of 6 per accident, beginning within 12 months after the accident provided initial treatment is within 7 days after the accident)	$30	$15
PARALYSIS (once per accident, diagnosed by a doctor within 12 months after the accident) Paraplegia Quadriplegia	$4,000 $8,000	$2,500 $5,000
PROSTHESIS (once per accident, up to 2 prosthetic devices and 1 replacement per device per insured)	$2,000	$1,000
RESIDENCE/ VEHICLE MODIFICATION (once per accident, within 12 months after the accident)	$1,000	$500