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Aflac Hospital Plan

Aflac Hospital Indemnity Plan pays for the first five days of hospitalization when a covered person requires hospital confinement for a covered sickness or injury. It is also for rehabilitory care as a result of sickness or injury and a charge is incurred. Benefits for the Annual Hospitalization Confinement Benefit are limited to a total benefit payment of five days per calendar year per policy.

Sickness $400 per day
Injury $ 500 per day

Aflac Insurance Company will pay $100 per day for the period of hospital confinement when a covered person requires hospital confinement for a covered sickness. This benefit is payable in addition to the Annual Hospitalization Confinement Benefit. The maximum benefit period of hospital confinement is 365 days. It should be noted that hospital confinements does not include emergency rooms. If the period of hospital confinement follows a previously covered confinement, it will be deemed a continuation unless the later confinement is the result of an entirely unrelated sickness or injury. Hospital does not include any institution or part thereof used as an emergency room, a hospice unit including any bed designated as a hospice or a swing bed, a
convalescent home, a rest or nursing facility or a facility primarily affording custodial or educational care. Overall, Aflac Insurance Company is a rated AA in insurer financial strength by Standard & Poor's and also by Fitch Inc.

Aflac Hospital Indemnity

Aflac Hospital Indemnity insurance policies help ease the financial burden of hospital stays due to illness by providing policyholders with cash benefits. While the primary benefits of the policy pay for hospital car, there's also a physician visit feature for those times when the policyholder is sick, has an accident or just needs a routine exam. The policy benefits include:
  • Major Diagnostic Exams
  • Hospital Confinement
  • Ambulance Transportation
  • No Precertification or Network Requirements
  • Surgery
It is also inclusive of different levels of coverage to suite one's needs and budget. Aflac believes that just a few days in the hospital for routine illness can be expensive. Aflac's hospital confinement indemnity insurance policies help protect its consumers in case of a hospitalization due to sickness. There is also a protection pregnancy plan or indemnity plan for pregnancy. For more information, you can have a look at the indemnity brochure.

Aflac Hospital Protection Plan 1

Aflac Hospital Protection Plan 1 is specifically designed for hospital stays. The policy is guaranteed renewable for the policyholder's lifetime, subject to Aflac's right to change premiums by class upon any renewal date. The family coverage includes the insured, spouse and dependent unmarried children to age 19. Newborn children are automatically insured from the moment of birth. One-parent family coverage includes the insured and the dependent and unmarried children to age 19. There are limitations and exclusions. Any illness, disease or disorder diagnosed by a physician or medically treated during the 12-months prior to the effective date of the policy will not be covered unless the loss begins more than six months after the effective date of the policy. The policy does not cover losses caused by or resulting from intentionally self-inflicting bodily injury or attempting suicide, participating in or attempting to participate in any illegal activity that is classified as a felony whether charged or not, being exposed to war or any act of war, declared or undeclared or actively serving in any of the armed forces. If the period of hospital confinement follows a previously covered confinement, it will be deemed a continuation of the first confinement unless the later confinement is the result of an entirely unrelated sickness or injury. Hospital does not include any institution or part thereof used as an emergency room, a rehabilitation unit, a hospice unit including any bed designated as a hospice. Benefits for confinement in a rehabilitation unit are payable under the Rehabilitation Unit Benefit.

Aflac Protection Plan 3 is inclusive of daily hospital confinement benefit, invasive diagnostic exams benefit, surgical benefit, medical diagnostic and imaging benefit, ambulance benefit as well as wellness benefit. It is also inclusive of waiver of premium benefit.

Those interested in more information and claim form or indemnity claim form, you can have a look at the Aflac Insurance Company web portal.

Website: http://www.aflac.com/

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