New Aflac Accident policy offers holistic benefits to help policyholders fully recover
Aflac (AFL) has launched a new enhanced Accident Insurance product, available in 32 states, offering expanded coverage for post-accident treatments and therapy. The plan nearly doubles coverage for follow-up care and introduces mental health benefits following covered accidents.
Key features include increased preventive care benefits, built-in building benefits for hospital stays that increase annually for up to five years, and enhanced coverage for common accidents like fractures and burns. A special line of duty benefit rider offers an additional $10,000 for first responders injured while working.
According to the 2025 Aflac WorkForces Report, 51% of American employees cannot afford a $1,000 out-of-pocket expense for unexpected medical events, while 22% cannot cover $500. The new policy aims to help bridge this financial gap by providing cash benefits for various medical services including ambulance, ER, urgent care, and therapy services.
Aflac (AFL) ha lanciato un nuovo prodotto di Assicurazione contro gli infortuni potenziato, disponibile in 32 stati, che offre una copertura ampliata per i trattamenti e la terapia post-infortunio. Il piano raddoppia quasi la copertura per la cura di follow-up e introduce benefici per la salute mentale a seguito di infortuni coperti.
Le caratteristiche principali includono un aumento dei benefici per la cura preventiva, benefici integrati per i soggiorni in ospedale che aumentano annualmente per un massimo di cinque anni e una copertura potenziata per infortuni comuni come fratture e ustioni. Un rider speciale per i doveri di servizio offre un ulteriore $10,000 per i primi soccorritori feriti mentre lavorano.
Secondo il Aflac WorkForces Report del 2025, il 51% dei dipendenti americani non può permettersi una spesa di $1,000 per eventi medici imprevisti, mentre il 22% non può coprire $500. La nuova polizza mira a colmare questo divario finanziario fornendo benefici in contante per vari servizi medici, tra cui ambulanza, pronto soccorso, cure urgenti e servizi di terapia.
Aflac (AFL) ha lanzado un nuevo producto de Seguro de Accidentes mejorado, disponible en 32 estados, que ofrece una cobertura ampliada para tratamientos y terapia post-accidente. El plan casi duplica la cobertura para el cuidado posterior y presenta beneficios de salud mental tras accidentes cubiertos.
Las características clave incluyen un aumento en los beneficios de atención preventiva, beneficios integrados para estancias hospitalarias que aumentan anualmente durante hasta cinco años, y una cobertura mejorada para accidentes comunes como fracturas y quemaduras. Un complemento especial para los deberes de servicio ofrece $10,000 adicionales para los primeros respondedores heridos mientras trabajan.
Según el Aflac WorkForces Report de 2025, el 51% de los empleados estadounidenses no puede permitirse un gasto de $1,000 por eventos médicos inesperados, mientras que el 22% no puede cubrir $500. La nueva póliza tiene como objetivo ayudar a cerrar esta brecha financiera proporcionando beneficios en efectivo para varios servicios médicos, incluidos ambulancias, ER, atención urgente y servicios de terapia.
Aflac (AFL)은 32개 주에서 제공되는 새로운 향상된 사고 보험 상품을 출시하였으며, 사고 후 치료 및 요법에 대한 확장된 보장을 제공합니다. 이 계획은 후속 치료에 대한 보장을 거의 두 배로 늘리고, 보장된 사고 후 정신 건강 혜택을 도입합니다.
주요 기능으로는 예방 치료 혜택의 증가, 최대 5년 동안 매년 증가하는 병원 입원에 대한 내장된 혜택, 골절 및 화상과 같은 일반적인 사고에 대한 향상된 보장이 포함됩니다. 특별한 직무 혜택 추가 조항은 근무 중 부상을 당한 응급 구조원에게 추가로 $10,000를 제공합니다.
2025년 Aflac WorkForces Report에 따르면, 미국 직원의 51%가 예상치 못한 의료 사건에 대해 $1,000의 자비용을 감당할 수 없으며, 22%는 $500을 감당할 수 없습니다. 새로운 정책은 구급차, 응급실, 긴급 치료 및 요법 서비스 등 다양한 의료 서비스에 대한 현금 혜택을 제공하여 이 재정적 격차를 해소하는 것을 목표로 합니다.
Aflac (AFL) a lancé un nouveau produit d'Assurance Accident amélioré, disponible dans 32 États, offrant une couverture élargie pour les traitements et la thérapie après un accident. Le plan double presque la couverture pour les soins de suivi et introduit des avantages en santé mentale suite à des accidents couverts.
Les caractéristiques clés comprennent des avantages accrus pour les soins préventifs, des avantages intégrés pour les séjours à l'hôpital qui augmentent chaque année pendant jusqu'à cinq ans, et une couverture améliorée pour des accidents courants tels que les fractures et les brûlures. Un avenant spécial pour les missions de service offre un montant supplémentaire de 10 000 $ pour les premiers intervenants blessés en service.
Selon le Aflac WorkForces Report de 2025, 51 % des employés américains ne peuvent pas se permettre une dépense de 1 000 $ pour des événements médicaux imprévus, tandis que 22 % ne peuvent pas couvrir 500 $. La nouvelle police vise à combler cette lacune financière en fournissant des avantages en espèces pour divers services médicaux, y compris les ambulances, les urgences, les soins urgents et les services de thérapie.
Aflac (AFL) hat ein neues verbessertes Unfallversicherungs produkt eingeführt, das in 32 Bundesstaaten erhältlich ist und erweiterte Deckung für Nachuntersuchungen und Therapien nach einem Unfall bietet. Der Plan verdoppelt nahezu die Deckung für Nachsorge und führt psychische Gesundheitsleistungen nach gedeckten Unfällen ein.
Zu den wichtigsten Merkmalen gehören erhöhte Leistungen für präventive Pflege, integrierte Leistungen für Krankenhausaufenthalte, die jährlich bis zu fünf Jahre steigen, sowie eine verbesserte Deckung für häufige Unfälle wie Frakturen und Verbrennungen. Eine spezielle Dienstleistungszusatzleistung bietet zusätzlichen $10,000 für Ersthelfer, die während ihrer Arbeit verletzt werden.
Laut dem Aflac WorkForces Report von 2025 können 51 % der amerikanischen Arbeitnehmer eine Selbstbeteiligung von $1,000 für unerwartete medizinische Ereignisse nicht leisten, während 22 % $500 nicht abdecken können. Die neue Police soll helfen, diese finanzielle Lücke zu schließen, indem sie Bargeldleistungen für verschiedene medizinische Dienstleistungen wie Krankenwagen, Notaufnahme, dringende Pflege und Therapieangebote bereitstellt.
- Nearly doubled benefits for post-accident medical care visits
- Expanded product availability across 32 states
- Introduction of escalating benefits that increase annually for up to 5 years
- Addition of $10,000 line of duty benefit rider for first responders
- None.
Insights
The launch of Aflac's enhanced accident insurance product represents a significant strategic evolution in the supplemental insurance market. The nearly doubled benefits for post-accident care and the inclusion of mental health coverage align with two critical market trends: rising healthcare costs and increasing awareness of mental health needs. This product enhancement could strengthen Aflac's market position in several ways:
Strategic Market Positioning: The expansion to 32 states positions Aflac to capture a larger market share in the growing supplemental insurance sector. The innovative built-in building benefits feature, which increases coverage levels for up to five years, creates a powerful customer retention mechanism while potentially improving lifetime customer value.
Revenue and Profitability Implications: The enhanced coverage levels, particularly the doubled benefits for post-accident care, suggest a potential increase in premium rates. However, this is balanced against the concerning statistic that
Competitive Differentiation: The inclusion of mental health benefits and the line of duty rider for first responders represents a sophisticated understanding of underserved market needs. This holistic approach to accident coverage, combining physical and mental health support, creates a distinctive value proposition in a traditionally commoditized market.
The product's design reflects a deeper understanding of customer retention economics. The escalating benefit structure incentivizes long-term policy retention, potentially reducing customer acquisition costs while increasing customer lifetime value. This approach could lead to more stable revenue streams and improved loss ratios through better risk pool management.
Aflac Accident Insurance offers broad post-accident treatment and therapy coverage
The new Aflac Accident Insurance plan provides policyholders with cash benefits* after a covered accident, including health services such as ambulance, ER, urgent care, physical therapy, mental health therapy and more. The product is available in 32 states and provides a variety of coverage types that appeal to consumers in all life stages. A primary feature of the new product is how it nearly doubles coverage for follow-up care treatments, including broadening treatment care to include mental health benefits when an accident occurs. The enhancements also provide increased preventive care, designed to promote overall health and wellness.
Besides the physical pain, the financial impact from treating accidents can be just as hurtful and costly. The 2025 Aflac WorkForces Report shows that
"Accidents happen, and when they do, Aflac can assist in easing the financial pain by helping to mitigate the costs associated with unanticipated medical bills and more. We want policyholders to make a full recovery, which means providing innovative benefits to help them deal with the physical, mental and emotional challenges they may face following an accident," explained Aflac Senior Vice President, Chief Actuary Tom Morey. "Consumers are seeking a more holistic, simpler approach to their health care and health insurance, which is why we believe that the Aflac Accident Insurance plan will generate a great deal of interest with our current and future policyholders."
Key benefits include:
- Nearly doubled benefits — Out-of-pocket expenses increase with the severity of an accident, so this new plan nearly doubles benefits related to post-accident medical care visits per covered accident based on policyholder need.
- New innovative benefits such as built-in building benefits for hospital and ICU confinement — Benefit levels increase each year the policyholder continues to pay premiums, up to five years, providing greater value for persistent customers.
- Enhanced benefits for common accident outcomes — Improved benefits address common accidents like fractures, dislocations, lacerations, concussions, burns, emergency dental work, eye injuries, surgical procedures and more.
- Line of duty benefit rider — Designed for first responders, this rider provides an additional
$10,000
"The scale of potential accidents can turn life upside down for a day or two, or in some cases, impact a family for weeks, months or even years. We want our policyholders to have the financial peace of mind to focus on their recovery, not financial stress," Morey said. "If you've had a qualifying accident, Aflac wants to make it as simple as possible to receive a diverse menu of cash benefits when you need them most."
For more information visit Aflac.com/AccidentInsurance.
ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for nearly seven decades to millions of policyholders and customers through its subsidiaries in the
1 LIMRA 2023 U.S. Supplemental Health Insurance Total Market Report
Media contact: Jon Sullivan, 706-763-4813 or jsullivan@aflac.com
Analyst and investor contact: David A. Young, 706-596-3264, 800-235-2667 or dyoung@aflac.com
*Cash benefits are paid directly to the insured, unless assigned otherwise.
Accident (Series A38000): In Arkansas, Policies A38100AR, A38200AR, Z382OFAR, A38300AR. In
Coverage is underwritten by American Family Life Assurance Company of
Aflac | Aflac New York | WWHQ | 1932 Wynnton Road |
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SOURCE Aflac
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