How does Aflac work? (And how to sign up) |

How Aflac works

Supplemental insurance to cover gaps in your regular coverage.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

It’s rare to find a major healthcare policy that covers 100% of medical costs. Aflac helps relieve the leftover strain through lump sum payments deposited directly into your account.

What is Aflac anyway?

If the voice in your mind sounds like a duck when you think, Aflac, you’re not alone. The company’s quack-quack mascot is well-recognized, but Aflac’s actual services may be less understood.

Think of Aflac as a sidekick to your regular insurance policy. It’s meant to provide a safety net of coverage, so that when the unexpected happens, it’ll be less of a jolt to your financial situation. Its supplemental insurance can help fill in the gaps of your regular coverage. Insurance policy offerings include:

  • Accident
  • Dental
  • Vision
  • Disability
  • Cancer
  • Critical illness
  • Hospital
  • Life

However, these policies aren’t comprehensive, so anything you purchase should be gravy on top of your meat-and-potatoes health coverage. It doesn’t deal directly with medical providers, favoring a direct payment to your bank account instead.
Aflac life insurance

Supplemental insurance explained

Supplemental insurance operates around the theory that major medical coverage doesn’t usually cover the full cost of treatment. Deductibles, copayments and coinsurance, medication costs and other out-of-pocket costs (think child care, lost wages, and transportation) are often left up to you. Supplemental coverage swoops in with a lump sum to help foot the outstanding bill.

How does Aflac work?

Let’s say you slip on an ice patch, fall and can’t walk. An ambulance takes you to the ER, where a physician takes a look, orders an X-ray and diagnoses you with a broken ankle. Even though each step of that process was necessary to your recovery, most major medical insurance on the market will only cover between 60% and 90% of costs — after you pay the deductible.

That’s where Aflac kicks in. Its One Day Pay feature can provide you with cash to cover the outstanding balance.

How much does Aflac pay when I’m hurt?

On its website, Aflac uses a broken leg as an example — the average cost of treatment is $7,152. Let’s say your regular insurance covers 60% of the costs. That leaves you owing $2,861. But if you’ve got accident and hospital insurance through Aflac, your payout is $2,734. That means you’re left with just $127 to pay out of pocket.

How do I sign up for Aflac?

If the company you work for offers Aflac coverage, you can add it through your workplace. But if you want to buy it independently — or you own a business and want to offer it to employees — you’ll need to start by requesting a quote:

  1. Go to Aflac’s website and hit Get a Quote.
  2. Indicate whether you’re An Individual or A Business Owner.
  3. Aflac will ask for your contact information, including your name, phone number, ZIP code and email. Then click NEXT.
  4. The next page, Call Time, will give you an estimate for when an agent will be in touch. Click SUBMIT to give them the green light.

An agent will be in touch to discuss your options for supplemental insurance.

Looking for protection that takes it one step further? Compare life insurance companies

Name Product Issue Ages Coverage Range Medical Exam Required
18 - 60 (or 55 for smokers)
$50,000 to $350,000
Offers quick, affordable and completely paperless solutions. Coverage up to $350,000
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
Compare quotes from 16 life insurance companies side by side.
18 - 64 years old
$100,000 to $3,000,000
Customized term life insurance policies up to $3 million, no medical exam required.
20 to 60 years old
$100,000 to $8,000,000
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
21 - 54 years old
$50,000 to $1,000,000
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
25 - 60 years old
$100,000 to $5,000,000
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
20 - 85 years old
$100,000 to $1,000,000
Depends on policy
Get a term or whole life insurance quote from Fidelity Life - starting as low as $15/day.

Compare up to 4 providers

How do I file a claim?

When filing a claim, you have three different routes of action:

Required documentation when filing a claim.

In most cases, Aflac will need additional information to pay out your claim, including:

  • Receipts
  • Medical records
  • Healthcare provider information

If you’re missing the necessary docs when you start the claim, you can add them later by clicking My Claims after logging in.

Bottom line

With Aflac’s supplemental coverage, you’re paying for peace of mind in the event of an unexpected illness or medical need. It also offers insurance to help with end-of-life costs, including guaranteed-issue options – but you’ll need to pay for that through your workplace.

Scout other life insurance providers if you’re hoping to buy it on your own.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site