ACCIDENTAL-DEATH BENEFIT: Aflac will pay the applicable lump-sum benefit indicated below for an Accidental-Death. Accidental-Death must occur as a result of an Injury sustained in a covered accident and must occur within 90 days of such accident.

What does my Aflac cancer policy cover?

Aflac will pay $175 for each day a Covered Person receives and incurs a charge for blood and/ or plasma transfusions for the treatment of Internal Cancer or an Associated Cancerous Condition as an outpatient in a Physician’s office, clinic, Hospital, or Ambulatory Surgical Center.

What is a cancer benefit rider?

When you add a First Diagnosis of Cancer rider to your group cancer insurance coverage, you add a little more financial protection at the point you or an insured family member is diagnosed with internal cancer—a time before many medical costs are incurred. Rider Benefits.

How much does Aflac pay for CT scan?

Major Diagnostic Exams Aflac will pay $150 when a covered person requires one of the following exams for a covered sickness: • CT scan • MRI (magnetic resonance imaging) • EEG (electroencephalogram) • Thallium stress test • Myelogram • Angiogram • Arteriogram These exams must be performed in a hospital, doctor’s office …

What is considered critical illness with Aflac?

Critical Illnesses are: Heart Attack due to coronary artery disease or acute coronary syndrome; ischemic Stroke due to advanced arteriosclerosis or arteriosclerosis of the arteries of the neck or brain; hemorrhagic Stroke due to uncontrolled high blood pressure, malignant hypertension, brain aneurysm, or arteriovenous …

Does Aflac cancer cover chemotherapy?

b. ORAL/TOPICAL CHEMOTHERAPY BENEFITS: (1) NONHORMONAL ORAL CHEMOTHERAPY BENEFIT: Aflac will pay $135 per day during which a Covered Person is prescribed, receives, and incurs a charge for Nonhormonal Oral Chemotherapy for the treatment of Cancer or an Associated Cancerous Condition.

How much does Aflac pay for losing a finger?

Finger/Toe If the dislocation requires open reduction, we will pay 150% of the amount shown.

How long do I have to file an Aflac cancer claim?

How long do I have to file a claim? A. There is a one-year timely filing provision in your certificate.

How does a cancer policy work?

A cancer insurance policy is an insurance policy that pays a lump sum if the policy holder is diagnosed with cancer. These plans have payouts that typically range from $5,000 to $200,000 (plans with higher payouts have higher premiums).

Does Aflac cover biopsy?

Aflac will pay $75 per calendar year when a charge is incurred for one of the following: breast ultrasound, biopsy, flexible sigmoidoscopy, hemocult stool specimen, chest X-ray, CEA (blood test for colon cancer), CA 125 (blood test for ovarian cancer), PSA (blood test for prostate cancer), thermography, colonoscopy, or …

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Does Aflac pay for anesthesia?

SURGERY/ANESTHESIA BENEFIT: Aflac will pay according to the benefits in the Schedule of Operations in the policy when a Covered Person has a surgical procedure performed for the direct treatment of a covered Internal Cancer or Associated Cancerous Condition and a charge is incurred for such surgical procedure.

How much does Aflac pay for open heart surgery?

SUBSEQUENT TIER ONE SPECIFIED HEART SURGERY BENEFIT: If benefits have been paid for a Tier One Specified Heart Surgery, Aflac will pay $1,000 if such Covered Person has a subsequent Tier One Specified Heart Surgery.

What is a rider Aflac?

The Aflac Plus Rider pays a specific benefit amount when you are diagnosed with a. covered event. You can use the cash to help pay out-of-pocket expenses, such as utility bills, car payments, and mortgage or rent payments. For a list of policies the Aflac Plus Rider.

What are the 36 critical illnesses?

• Heart attack.
• Heart valve replacement due to defects or abnormalities.
• Coronary artery diseases requiring a bypass or other surgery.
• Aorta surgery via thoracotomy or laparotomy.
• Stroke.
• Cancer.
• Kidney failure.

What is a rider in Aflac insurance?

Think of a rider as a little extra something that’s added to a basic life or health insurance policy to sweeten the deal and personalize your coverage.

Does Aflac pay for stents?

Benefits are also paid for specific heart surgeries, such as heart valve surgery, coronary angioplasty, coronary stent implantation, and pacemaker placement.

What does Aflac consider a pre-existing condition?

PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing Condition” is an illness, disease, infection, disorder, or injury for which, within the 12-month period before the Effective Date of coverage, medical advice, consultation, or treatment was recommended by or received from a legally qualified Physician, or for which …

How long do you have to have critical illness cover before you can claim?

A critical illness insurance claim can be paid either from the date the medical condition is diagnosed or after a set period of time has elapsed after diagnosis (for example, 14 or 28 days – depending on the policy terms).

Does Aflac pay for stitches?

If an insured suffers multiple lacerations in a covered accident, and the lacerations are repaired with stitches by a doctor within 14 days after the accident, we will pay this benefit based on the largest single laceration which requires stitches.

How much does Aflac pay for an EKG?

Major Diagnostic Exams Aflac will pay $200 if a covered person requires one of the following exams for injuries sustained in a covered accident: CT (computerized tomography) scan, MRI (magnetic resonance imaging), or EEG (electroencephalogram).

How much does Aflac pay for mammogram?

MAMMOGRAPHY AND PAP SMEAR BENEFIT: Aflac will pay $100 per calendar year when a charge is incurred for an annual screening by low-dose mammography for the presence of occult breast cancer, and Aflac will pay $30 per calendar year when a charge is incurred for a ThinPrep or an annual Pap smear.

Can you get a cancer policy if you have cancer?

4. You may not be able to get cancer insurance if you’ve been diagnosed with cancer. Some companies will deny you cancer insurance coverage if you have cancer or had it in the past. “It may not be obtainable if you have already been diagnosed with a cancerous condition.

Do cancer policies cover skin cancer?

Limited coverage of skin cancers Many cancer insurance plans do not offer benefits for policyholders diagnosed with these non-melanoma skin cancers, or a large share of cases that are frequently called cancer.

What is considered internal cancer?

INTERNAL CANCER: a disease that let itself be known by the presence of a malignant tumor and characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.

What does a cancer policy pay for?

What does cancer insurance cover? Cancer insurance can help you handle medical plan deductibles, co-pays and other out-of-pocket costs; non-medical expenses such as transportation to treatment facilities; even everyday living expenses such as groceries, rent and mortgage payments.

Do you pay taxes on cancer insurance payout?

9. Are cancer insurance benefits taxable? Typically no because the policies are paid with post tax dollars. However if you purchase a group policy through your employer your benefits may be taxed.

Do I need to tell Life Insurance about cancer?

What to tell your life insurance provider if you have been diagnosed with cancer. If you’ve been diagnosed with cancer, you should contact your insurance provider. They’ll need to know the type of cancer you have been diagnosed with and the date you were diagnosed.

How much does Aflac pay for surgery?

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.

How long does Aflac pay for short term disability?

They will be covered only after the policy has been in force for ten months. 3. Unless you give us proof that your Disability continues past these time frames, they can be paid up to a maximum period (less the Elimination Period) of: a. Six weeks for noncesarean delivery.

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.

Does Aflac cover dementia?

With the Aflac Plus Rider, policyholders will be able to reduce out-of-pocket expenses associated with serious accidents and illnesses such as heart attacks, strokes, diabetes, traumatic brain injury, sustained multiple sclerosis, advanced Alzheimer’s disease, advanced Parkinson’s disease and many more.