Both Supplemental Accident and Critical Illness Insurance policies from Aflac complement your other coverage. For example, if you are considering Option C under the Medical Plan, you could purchase one or both of these supplemental insurance options as another way to manage Option C’s higher deductible if you or a family member faces a critical illness or accident. You could put the money you save on contributions in Option C toward the premiums for these supplemental insurance policies and/or contribute to a Health Savings Account.
Unlike traditional medical coverage, the payments you receive from these supplemental insurances aren’t tied to your medical bills and there are no rules on how you can use the money. Depending on your election, you’ll select a coverage level by lump-sum amount (Critical Illness) or treatment-based benefits (Accident) that pay over time. All claims are submitted to Aflac directly and decided by Aflac in its sole discretion.