We provide Accident Plan quotes for multiple carriers. However, we encourage you to look at and consider the AFLAC Accident plans. Click the link below to create your multi-carrier accident quotes now. We do NOT ask for, or require you to enter your email address or phone number. You can also sign up on your own. If needed, we are here to help with any questions, or to assist with the quote or your application.
Why Have Accident Insurance?
First, you must understand the difference between accident insurance and health insurance.
Health insurance covers you for the immediate treatment that you receive after an accident, while accident insurance covers any financial burden that you incur due to the accident. This can include copayments in hospitals, physiotherapy, other services not covered by your health insurance, and any out-of-pocket expense from the accident.
One of the biggest advantages of accident insurance is that payouts come in cash, which can relieve the financial burden you experience after an accident. Furthermore, there isn’t a waiting period, so you get the money immediately..
Limitations and Exclusions for residents of Arizona:
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Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
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Aflac will not pay benefits for treatment or loss due to Sickness including (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure for any Sickness.
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Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
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Aflac will not pay benefits for an Injury, treatment, disability, or loss that is caused by or occurs as a result of a Covered Person's:
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Participating in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a Physician and taken according to the Physician's instructions) or wle intoxicated (“intoxicated” means that condition as defined by the law of the jurisdiction in which the accident occurred);
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Using any drug, narcotic, hallucinogen, or chemical substance (unless administered by a Physician and taken according to the Physician’s instructions) or voluntarily taking any kind of poison or inhaling any kind of gas or fume
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Participating in, or attempting to participate in, an illegal activity that is defined as a felony (“felony” is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any type penal institution;
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Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
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Having cosmetic surgery or other elective procedures that are not Medically Necessary
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Having dental treatment except as a result of Injury;
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Being exposed to war or any act of war, declared or undeclared; or
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Actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserve.
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