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Limb discomfort. Cold sweats. Nausea. Chest pain. When the symptoms hit, you know it’s time to visit the hospital.
You take an ambulance to the emergency room and the diagnosis is in: you’ve suffered a heart attack.
With an Aflac Lump Sum Critical Illness2 policy your benefits are paid to you directly (unless otherwise assigned).
You use cash benefits to help with medical bills, continuing care, or everyday expenses. With Aflac's help, you can worry less.
The average cost of a heart attack is $122,898.1
After major medical coverage, you could still owe $49,159 in out-of-pocket medical expenses not covered by your insurance.3
Get a Quote| Medical Expenses | $122,898 | |
| Avg. Insurance Coverage | 60% | |
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| Remaining Expenses* | $49,159 | |
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| Aflac Supplemental Coverage: | ||
| Accident | up to $2,450 | |
| Hospital | up to $2,450 | |
| Short-Term Disability | up to $2,720 | |
| Critical Care & Recovery | up to $9,859 | |
| Cancer/Specified-Disease | up to $9,859 |
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| Aflac pays you: | $15,049 | |
weekly rates as low as a gallon of milk.4
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
*The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources for the data provided in this calculator.
One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim®, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim® is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2019.
1 Diagnosis & Treatment: Heart Attack Procedures and Surgeries, American Heart Association, 2017. Last revised: March 27, 2017.
http://www.heart.org/HEARTORG/Conditions/HeartAttack/TreatmentofaHeartAttack/Cardiac-Procedures-and-Surgeries_UCM_303939_Article.jsp#.WdKjE2hSw2y.
Treatment Duration: Follow up Care & Resources After Heart Surgery, Cleveland Clinic, 2017. Last revised: 2017.
https://my.clevelandclinic.org/departments/heart/patient-education/recovery-care/surgery/follow-up.
Costs of diagnosis and treatment(s) are based on:
Transport - Ambulance Ride (1): $800.00
Source: https://health.costhelper.com/emergency-room.html.
ER - ER Visit (1): $1,575.00
Source: https://health.costhelper.com/emergency-room.html.
Treatment - Stent (3 days in hospital + HCP fees+ anesthesia) (1): $38,250.00
Source: https://health.costhelper.com/stents.html.
Treatment - CABG (Coronary Artery Bypass Grafting) (1): $82,132.00
Source: https://www.healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=49&g=Coronary+Artery+Bypass+Grafting+(CABG).
Follow Up - Cardiac Rehab (3 visits): $47.00 ea.
Source: https://www.researchgate.net/publication/317510038_Cardiac_Rehabilitation_Costs.
Total Cost: $122,898.00
2 At the time of application, you answer underwriting questions and select an Initial Diagnosis Benefit amount of $20,000. You have your policy for two years and the Building Benefit grows to $1,000.
AFLAC LUMP SUM CRITICAL ILLNESS INSURANCE - B71000 SERIES
In Arkansas, Policies B71100AR & B7110HAR. In Oklahoma, Policies B71100OK & B7110HOK. In Oregon, Policies B71100OR & B7110HOR. In Pennsylvania, Policies B71100PA & B7110HPA. This is a brief product overview only. Coverage may not be available in all states including but not limited to: AZ, ID, NJ, NY, TX & VA. Benefits and/or premiums may vary based on the state and benefit option selected. Riders are available for an additional premium. The policy has limitations, exclusions and pre-existing condition limitations that may affect benefits payable. The policy may contain a waiting period. Refer to the policy for benefit details, definitions, limitations and exclusions. For costs and complete details of the coverage, contact your Aflac insurance agent/producer.
3 The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources.
4 Assumes the average cost of a gallon of whole fresh milk is $3.18**. Comparison is based on the average weekly premium for Nebraska Direct Premium rates for industry Class A, Aflac Lump Sum Critical Illness Insurance Series B71000 - Initial Diagnosis Benefit amount: $10,000 - Option 1 - Non Tobacco; Individual aged 18-24. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: Bureau of Labor Statistics, August 2017.
