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