Aflac Group Critical Illness Insurance

What Is Critical Illness Insurance?

Critical illness insurance provides a lumpsum cash benefit when you are diagnosed with a covered serious medical condition. Unlike traditional health insurance, which pays for medical services, critical illness plans pay directly to you, letting you cover outofpocket expenses, replace lost income, or simply maintain your quality of life while you focus on recovery.

Aflac Group Critical Illness Plan

Aflacs group critical illness product is designed for employers who want to give their workforce an added layer of financial protection. The plan can be customized to meet the needs of different employee demographics, offering flexible benefit amounts and a broad range of covered conditions.

Key Covered Conditions

• Heart Attack
• Stroke
• Major Organ Transplant
• Cancer (including chemotherapy and radiation)
• Kidney Failure
• Severe Burns
• Multiple Sclerosis
• Alzheimers disease (early stage)
• And many other medicallyverified conditions listed in the policy.

Benefit Options

Employers can choose from benefit levels ranging from $5,000 to $100,000 per covered condition. Policies can be per incident (each qualifying diagnosis triggers a payment) or per person (one payment per policy year).

Why Choose Aflac Critical Illness Coverage?

• Cash Flexibility: The lump-sum is paid directly to the employee, who can use it for anythingfrom medical bills to mortgage payments.
• Fast Payout: Aflacs streamlined claims process typically results in payment within 57 business days after claim approval.
• No Medical Exams: Eligibility is based on health questionnaires; most employees qualify without physical exams.
• Portable Coverage: Employees may retain the benefit if they leave the company, depending on the plan design.
• Tax Advantages: Premiums paid by the employer are generally taxdeductible for the business and taxfree for employees.

Eligibility & Enrollment

Eligibility is determined by the employers plan design. Common criteria include:

• Fulltime status (30+ hours/week) or parttime employees meeting a minimum threshold.
• Age ranges typically from 18 to 65; some plans extend coverage up to 70.
• No preexisting condition exclusions beyond those outlined in the policy.

Enrollment usually occurs during the employers open enrollment period, and employees can often add coverage midyear after a qualifying life event (marriage, birth, etc.).

How to File a Claim

1. Diagnosis Confirmation: Obtain a written diagnosis from a qualified physician.
2. Complete Claim Form: Log in to Aflacs online portal or use the mobile app to submit the claim.
3. Submit Supporting Documents: Provide the diagnosis report, any required lab results, and the policy holders identification.
4. Review Process: Aflacs claims team reviews the submission. Most straightforward claims are approved within 57 business days.
5. Payment: Once approved, the lumpsum is deposited directly into the employees designated bank account.

For assistance, employees can call Aflacs 24hour claims line or use the livechat feature on the website.

Get Started

If you are an employer interested in adding Aflac Group Critical Illness coverage to your benefits package, or an employee wanting more information, contact Aflac today.