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Aflac Indemnity

Aflac Indemnity is offered through two of its policies which are hospital confinement indemnity and hospital confinement sickness indemnity. Both plan have different coverage. A hospital confinement indemnity insurance policy provides cash benefits to use as the policyholder pleases. The benefits are predetermined and paid regardless of any other insurance the policyholder has. Policyholders have a choice of applying for basic to extensive hospitalization insurance. Aflac Insurance Company looks after the interests of its customers by providing a plan that offers hospitalization benefits only or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation. The advantage of this is that there are no deductibles, no precertification, HSA compatible policies are available and increased benefit amount for the first five days of hospitalization. On the other hand, hospital confinement sickness indemnity policy helps ease the financial burden of hospital stays due to illness by providing the policyholder with cash benefits. It has been stated that while the primary benefits of the policy pay for hospital care, there is also a physician visit feature for those times when the policyholder is sick, has an accident or just for a routine exam. This policy benefits are inclusive of:
  • Different levels of coverage to suit ones needs and budget
  • Hospital confinement
  • Ambulance transportation
  • No precertification or network requirements
This also comprises of surgery and major diagnostic exams. Overall, Aflac Indemnity insurance policies help protects the policyholders in case of a hospitalization due to sickness. The hospital claim form can be accessible from
http://www.alleghenycounty.us/hr/S2029.pdf. This covers accident and personal sickness.

Aflac Indemnity Cancer Insurance

Aflac Indemnity Cancer Insurance policy makes things easier for the policyholder as well as for their loved ones and family members. This policy is also known as Cancer/Specified-Disease Insurance. As highlighted on
http://www.aflac.com/individuals/cancer_insurance.aspx, no one wants to experience a cancer diagnosis. The fact is that the risk of getting cancer is great in the United States. Men have slightly less than a one in two lifetime risk of developing cancer. For women, the risk is little more than one in three (Cancer Facts and Figures 2009, American Cancer Society). Aflac Cancer/Specified-Disease insurance policy is designed to provide policyholders with cash benefits during covered cancer treatments. It has been stated that the total financial impact of cancer includes direct and indirect costs. The American Cancer Society estimates that one in five people who are diagnosed with cancer use all or most of their savings because of the financial cost of dealing with cancer.

Aflac Indemnity Accident Advantage

Aflac Indemnity Accident Advantage is designed to provide the policy holder with cash benefits throughout the different stages of care, regardless of the severity of the injury. Aflac Indemnity Accident Advantage information is available on
http://ct.brickriver.com/files/oFiles_Library_XZXLCZ/New_Accident_Brochure_2010_YM38IPGK.pdf. This policy has no lifetime limits, no coordination of benefits, no network restrictions, and no copayments. The insurance company enables the policyholder to take charge and to help provide for an unpredictable future by paying cash benefits for accidental injuries. This policy can save the policyholder and their loved ones from financial uncertainty during a very stressful time. Overall, Aflac Insurance Company is a market leader with more than fifty years in the insurance industry. It works hard to help meet its customer's insurance needs.

Aflac Indemnity Personal Accident Plan

Aflac Indemnity Personal Accident Plan benefits are payable for a covered person's death, dismemberment or injury caused by a covered accident that occurs on or off the job. It has been highlighted on
http://apps.hr.emory.edu/Forms%20and%20Brochures/Benefits%20Forms/Disability%20and%20Insurance/Aflac/AFLACPersonalAccidentBrochure.pdf that treatment must be performed on a covered person for injuries sustained in a covered accident. Aflac pays for no more than two dislocations per covered accident, per covered person. Dislocations must be diagnosed by a physician within 72-hours after the covered accident. The Aflac Personal Accident Indemnity Plan - Accident Only Insurance benefits comprise of:
  • Initial hospitalization
  • Wellness
  • Physical Therapy
  • Follow-up Treatment
  • Emergency Treatment
This is also inclusive of Accidental Death and Hospital Confinement. It should be noted that hospital confinement is defined as a covered person's confinement to a bed in a hospital for which a room charge is made. This confinement must be on the advice of a physician and medically necessary. There is rehabilitation unit benefit, blood/plasma/platelets benefit, and ambulance and transportation benefits.

For more information, login on the Aflac official website.

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

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