Group Supplemental Plans – Critical Illness

Critical Illness Insurance

Critical Illness Insurance is a supplemental policy that provides a lump-sum cash payment upon diagnosis of a covered critical illness, such as a heart attack, stroke, or certain cancers. This benefit can be used for any purpose, including medical expenses, prescriptions, and everyday living costs like rent or groceries, to help with the financial strain of a serious health event. The plan can be accessed through an employer or purchased individually.

How It Works

• Lump-sum payment: When a covered critical illness is diagnosed, Aflac pays a one-time lump-sum cash benefit directly to you.
• Flexibility: The funds can be used for treatment, lost income, or daily expenses.
• Supplemental insurance: Works alongside your primary health plan to help cover out-of-pocket costs.
• Coverage: Most policies include heart attacks, strokes, and invasive cancer. Some may cover additional conditions.

Potential Benefits

• Financial relief: Helps reduce financial stress during a major health event.
• Affordable premiums: Often cost-effective as added protection.
• Proactive coverage: Most valuable when purchased before an illness occurs.

What to Consider

• Plan specifics: Review definitions and limitations for covered illnesses.
• Exclusions: Certain early-stage conditions or related diagnoses may not be covered.
• Pre-existing conditions: Some plans include a waiting period before benefits are payable.