Page 60 - Aflac Flipbook 2023

American Family Life Assurance Company of Columbus
(herein referred to as Aflac)
Worldwide Headquarters  1932 Wynnton Road  Columbus, Georgia 31999
Toll-Free 1.800.99.AFLAC (1.800.992.3522)

The policy provides supplemental coverage
and will be issued only to supplement insurance already in force.
SPECIFIED HEALTH EVENT INSURANCE
Supplemental Health Insurance Coverage – Limited Benefit
Policy Form Series A74300

1. Read Your Policy Carefully: This document provides a very brief This benefit is limited to 15 days per Period of Confinement and
description of some of the important features of the policy. This is not is also payable for confinement in a Hospital Intensive Care Unit
the insurance contract and only the actual policy provisions will after exhaustion of benefits payable under the Hospital Intensive
control. The policy itself sets forth, in detail, the rights and obligations Care Unit Benefit.
of both you and Aflac. It is, therefore, important that you READ YOUR
POLICY CAREFULLY. The Step-Down Intensive Care Unit Benefit is not payable
on the same day as the Hospital Intensive Care Unit
2. Specified Health Event Insurance Coverage is designed to Benefit. If a Covered Person is confined in both on the
supplement your existing accident and sickness coverage only when same day, only the highest eligible benefit will be paid. No
certain losses occur as a result of Specified Health Events or other lifetime maximum.
conditions as specified. Specified Health Events are: Heart Attack,
Stroke, End-Stage Renal Failure, Major Human Organ Transplant, C. PROGRESSIVE BENEFIT FOR HOSPITAL INTENSIVE CARE
Third-Degree Burns, Persistent Vegetative State, Coma, Paralysis, UNIT/STEP-DOWN INTENSIVE CARE UNIT CONFINEMENT: An
Coronary Artery Bypass Graft Surgery (CABG), or Sudden Cardiac indemnity of two dollars will accumulate for the Named Insured
Arrest. Coverage is provided for the benefits outlined in (3) Benefits. and the covered Spouse for each calendar month coverage
The benefits described in (3) Benefits may be limited by (5) remains in force after the Effective Date. This accumulated
Exceptions, Reductions, and Limitations of the Policy. indemnity, if any, will be paid in addition to the Hospital Intensive
Care Unit Benefit and Step-Down Intensive Care Unit Benefit for
3. Benefits: each day of a Period of Confinement for which benefits are
payable. This Progressive Benefit will continue to build,
IMPORTANT: BENEFITS FOR INTENSIVE CARE UNIT
CONFINEMENTS REDUCE BY ONE-HALF FOR LOSSES INCURRED regardless of claims paid, until the policy anniversary date
following the 65th birthday of a Covered Person. Any amount
ON OR AFTER THE POLICY ANNIVERSARY DATE FOLLOWING THE accrued at the time this benefit ceases to build for a Covered
70TH BIRTHDAY OF A COVERED PERSON.
Person will continue to be added to the benefit amount for all
While coverage is in force, Aflac will pay the following benefits, as Hospital Intensive Care Unit/Step-Down Hospital Intensive Care
applicable, subject to the Pre-existing Condition Limitations, Unit confinements commencing prior to the policy anniversary
th
Limitations and Exclusions, and all other policy provisions. The term date following the 70 birthday of the Covered Person. THIS
“Hospital Confinement” does not include emergency rooms. ACCUMULATED BENEFIT REDUCES AT AGE 70. This
accumulated benefit will be reduced by one-half for Hospital
BENEFITS FOR INTENSIVE CARE UNIT CONFINEMENTS: Intensive Care Unit/Step-Down Intensive Care Unit confinements
A. HOSPITAL INTENSIVE CARE UNIT BENEFIT: Aflac will pay the commencing on or after the policy anniversary date following the
th
following benefits when a Covered Person requires confinement 70 birthday of a Covered Person. This benefit is not
in a Hospital Intensive Care Unit for a covered Sickness or Injury: applicable and will not accrue to any Covered Person who
has attained age 65 prior to the Effective Date of coverage.
Days 1 – 7: Days 8 – 15:
The Named Insured and covered Spouse, if any, are the only
Sickness/Injury Sickness/Injury persons eligible for this benefit if One-Parent Family or Two-
$1,000 per day $1,300 per day Parent Family coverage is in force. Dependent Children do not
qualify for this benefit. When a Spouse is added to an existing
This benefit is limited to 15 days per Period of Confinement. policy, this benefit will begin to accrue from the endorsement
The Hospital Intensive Care Unit Benefit is not payable on date adding such Spouse, provided the Spouse has not yet
the same day as the Step-Down Intensive Care Unit Benefit. attained age 65.
If a Covered Person is confined in both on the same day, BENEFITS FOR SPECIFIED HEALTH EVENTS AND/OR SPECIFIED
only the highest eligible benefit will be paid. No lifetime HEART SURGERIES:
maximum.
D. FIRST-OCCURRENCE BENEFIT: Aflac will pay the following
B. STEP-DOWN INTENSIVE CARE UNIT BENEFIT: Aflac will pay benefit amount for each Covered Person when he or she is first
$500 per day when a Covered Person requires confinement in a diagnosed as having had a Specified Health Event:
Step-Down Intensive Care Unit for a covered Sickness or Injury.
Named Insured/Spouse
$7,500 (Lifetime maximum $7,500 per Covered Person)
A74325NMD 1 6/16