Vision Now

Vision Insurance

Specific Eye Diseases/Disorders Benefit:

Aflac will pay $1,000 when a covered person is first diagnosed after the effective date as having any of the eye diseases or disorders listed below.

·         Glaucoma (excluding preglaucoma and/or borderline glaucoma

·         Proliferative diabetic retinopathy

·         Retinal detachment

·         Retinitis pigmentosa

·         Macular degeneration

The eye disease or disorder must be diagnosed by an ophthalmologist 1 or a physician. 1 This benefit is payable only once per covered disease or disorder, per covered person and will be paid in addition to any other benefit in the policy.

Eye Surgery Benefit:

Aflac will pay $50 - $1,500 for:

·         Cornea Transplant

·         Eye cancer and tumors

·         Retinal detachment repair

·         Ocular implant insertion

·         Blood clot removal

·         Lens material removal

·         Retinopathy

·         Glaucoma

·         Cataracts

·         Foreign body removal

·         Laceration repair

·         Miscellaneous eye surgeries

Permanent Visual Impairment Benefit:

Visual Impairment Level                               Total per Level                                  Maximum Cumulative Benefits per Eye

Level 1 – Severe                                               $  750                                                     $  750

Level 2 – Profound                          $1,750                                                   $2,500

Level 3 – Near-Total                        +$2,500                                                $5,000

Level 4 – Total                                   +$5,000                                                $10,000

If a covered person is diagnosed with a Level 2, 3 or 4 visual impairment, benefits for previously unpaid lower levels of visual impairment, if any, will be paid in addition to benefits for the level diagnosed. Each level of visual impairment is payable a maximum of once per eye, per covered person.

Levels in more detail:

Level 1 – Severe Visual Impairment: Maximal visual acuity, after correction, of 20/200 or less, or a total diameter of the visual field in that eye of 20 degrees or less.

Level 2 – Profound Visual Impairment: Maximal visual acuity, after correction, of 20/500 or less, or a total diameter of the visual field in that eye of 10 degrees or less.

Level 3 – Near-Total Impairment: Maximal visual acuity, after correction of less than 20/1000, or a total diameter of the visual field in that eye of 5 degrees or less.

Level 4 – Total Visual Impairment: Complete loss of vision with no remaining perception of light, or a loss of the natural eye.

Eye Examination Benefit:

Aflac will pay $35 when a charge is incurred for an eye examination for a covered person.

Vision Correction Benefit:

The Vision Correction Benefit has three different levels. You will receive only the benefit that you chose on your application for coverage.

1 This is licensed or legally qualified person other than a member of your immediate family.

*This information is for illustration purposes only and does not imply coverage.  Refer to the policy and riders for complete details, limitations and exclusions

Critical Illness

The Lump Sum Critical Illness Policy:

·          Has no lifetime maximum.1

·         Is completely portable.

·         Is guaranteed-renewable until age 75.

Consider These Facts:

·         In 2009, an estimated 1.25 million people will experience a Heart Attack.2

·         About every 34 seconds, someone suffers a Heart Attack.2

·         Every 40 seconds, someone suffers a Stroke. About 795,000 Strokes occur in the United States each year.2

No one wants to think that a serious illness could happen to them. You should consider how you and your family would manage if you were unable to work due to an illness. With Aflac’s Lump Sum Critical Illness plan, you receive cash benefits directly – giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.

1 – Excluding the Coronary Artery Bypass Graft Surgical Benefit.

2 – Heart Disease and Stroke Statistics, American Heart Association, 2009 Update.

*This information is for illustration purposes only and does not imply coverage.  Refer to the policy and riders for complete details, limitations and exclusions.

Hospital Protection

Hospital Confinement Indemnity Insurance

*This plan is part of our "Mommy Package" for maternity.  We will pay towards the birth of a child, as long as it is not delivered within the first 10 months of the policy effective date.

Plan Benefits:

·         Annual Hospitalization Confinement

·         Daily Hospital Confinement

·         Invasive Diagnostic Exams

·         Plus…more

In more detail:

·         Annual Hospitalization Confinement Benefit – Aflac will pay $400 per day for sickness and $500 per day for injury when a covered person requires hospital confinement for a covered sickness or injury.

·         Daily Hospital Confinement Benefit – Aflac will pay $100 per day for the period of hospital confinement. This benefit is payable in addition to the Annual Hospitalization Confinement Benefit.

·         Rehabilitation Unit Benefit – Aflac will pay $100 per day for each day you are charged when a covered person is confined in a hospital and is transferred to a bed in a rehabilitation unit of a hospital for a covered sickness or injury.

·         Invasive diagnostic Exams Benefit – Aflac will pay $100 when a covered person requires one of the following exams and a charge is incurred: arthroscopy, bronchoscopy, colonoscopy, cystoscopy, gastroscopy, laryngoscopy, sigmoidoscopy, esophagoscopy, or myringoscopy. These exams must be performed in a hospital or an ambulatory surgical center.

·         Surgical Benefit – Aflac will pay $50 – $1,000 when a surgical operation is performed, including a vaginal or cesarean delivery on a covered person for a covered sickness or injury in a hospital or surgical center.

·         Outpatient Surgical Room Charge Benefit – Aflac will pay $300 for a surgical operation or invasive diagnostic exam with general anesthesia. Aflac will pay $100 without general anesthesia when a covered person has a surgical operation or an invasive diagnostic exam performed on an outpatient basis in a hospital or ambulatory surgical center.

*This information is for illustration purposes only and does not imply coverage.  Refer to the policy and riders for complete details, limitations and exclusions.