Accident Insurance

Accident Insurance  


Motor vehicle and other unexpected injury-related accidents cause 29 million* trips to the emergency room each year.  And unanticipated—and uncovered—after-treatment ER bills average over $600.** Your major medical insurance will help with many of your expenses, but wouldn’t you feel better if you knew you had extra help paying unexpected expenses.

Accident insurance pays cash benefits for covered accidents to help with out-of-pocket expenses so you can focus more on getting well and less on the extra expenses an accident can bring. These policies offer:

  • Guaranteed-issue options - with no underwriting requirements
  • Cash benefits paid directly to you, unless otherwise assigned
  • Benefits that are paid in addition to major medical insurance benefits
  • Coverage options for spouses and children


Premiums will be made via direct bill to the carrier, when applying for Aflac accident insurance through your employer.


*National Safety Council, Injury Facts®, 2017 Edition
American Hospital Association Resource Center, April 2012.

**CNBC, "Many get hit with surprise 'out-of-network' bill after emergency rooms: Study," viewed 6-15-17 at


Apply for accident insurance coverage to help with expenses that may not be covered by your existing major medical plan.

How It Works

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  • Who is the provider?


    Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fairly and promptly–often in one day for eligible claims. Benefits are paid directly to the insured, unless assigned otherwise. For more than six decades, Aflac voluntary insurance policies have helped give policyholders the opportunity to focus on recovery, not financial stress.

  • How can this help me?

    Most families don’t budget for the costs associated with accidents. If an accident does occur, the last thing on your mind are the charges accumulating while at the emergency room.

    These costs can add up fast! Many families have major medical insurance that will cover most of the medical expenses but what about the remaining out-of-pocket and daily living expenses? That is where Aflac can help! In the event of an unexpected injury, Aflac accident insurance can make the unexpected a little easier. Don't let the stress of unexpected accidents derail life's plans. Rest easy with help from Aflac—and allow yourself to focus on recovery.

  • Who is eligible?

    You and your eligible family members may apply for coverage during your enrollment period. Please refer to the policy and outline of coverage for all eligibility requirements.

  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company’s annual enrollment period.

  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.

  • Will I have to take a medical exam to get this coverage?

    No! For the initial Open Enrollment period and for new hires added throughout the year, this coverage offers guaranteed-issue options (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.