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Personal Accident Indemnity Plan - AFLAC
Approximately 40% of all hospital emergency room visits
are injury related. Accident expense insurance is designed
to pay you directly, regardless of any other insurance
you may have. This added protection provides 24 hour
coverage to help defray the cost of out-of-pocket expenses
resulting from such incidents.
Coverage Options
Coverage can be purchased for yourself, your
spouse or domestic partner, and dependent children to
age 23 (if full-time student). For the Health Alliance
definition of domestic partner, see Your
Eligibility for Health Alliance Benefits. Benefits
provided by this policy include:
- Initial accident hospitalization - $1,000 on inpatient
stays for covered accidents (no lifetime maximum).
- If admitted to the insensive care unit, AFLAC will
pay $1,500
- Accident emergency treatment - $120 for the insured,
spouse or domestic partner; and $70 for each child
who receives emergency treatment for injuries sustained
in a covered accident.
- Hospital confinements - $200 per day for every day
of inpatient hospitalization (up to 365 days per covered
accident).
- Intensive care - $400 per day for every day of inpatient
intensive care unit hospitalization (maximum of 15
days per covered accident).
Other specified injury and miscellaneous benefits payable
under a pre-determined payment schedule include:
Burns ($100 - $10,000) |
Dislocations ($50 - $2,000) |
Fractures ($100 - $2,000) |
Lacerations ($50 - $400) |
Ruptured discs ($500) |
Tendon & ligaments ($500) |
Out-patient blood and plasma ($100) |
Physical therapy ($25 - up to 6 per accident)
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Transportation out of area (up to $300) |
Prosthesis ($100 - $500) |
Ambulance ($100 to $500) |
Family lodging if over 100 miles ($100 per
night) |
Accidental Death and Dismemberment
(from $250 for the loss of a finger to $100,000
for death in a common carrier accident ). |
Wellness benefits - $60 per year
(benefit allowance offered after insurance is
in effect for 12 months). |
For information on annual and lifetime limits, contact
Chuck Hais at Brecek & Young Advisors, Inc.
at 513-721-2513. This insurance is guaranteed
issue. This means that there are no underwriting requirements
or pre-existing condition limitations.
Cost of Coverage
The cost of coverage varies depending on the
individuals covered. Premiums are deducted on a pre-tax
basis from every paycheck. However, if your policy includes
coverage for a domestic partner, deductions are taken
on an after-tax basis.
Enrollment Contact
Information and enrollment assistance with
this benefit should be obtained through an insurance
representative. Please call Brecek & Young
Advisors, Inc. at 513-721-2513
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