Can you get Aflac If you have a pre existing condition?

A. Disability caused by a Pre-existing Condition or reinjuries to a Pre- existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage. Aflac will not pay benefits for a disability that is being treated outside the territorial limits of the United States.

Is there a waiting period for Aflac cancer policy?

The rider contains a 30-day waiting period. If a Covered Person has Internal Cancer or an Associated Cancerous Condition diagnosed before coverage has been in force 30 days from the Effective Date, you may, at your option, elect to void the rider from its beginning and receive a full refund of premium.

Can I get Aflac if I have cancer?

Aflac will pay $140 for each day a Covered Person receives and incurs a charge for blood and/or plasma transfusions for the treatment of Internal Cancer or an Associated Cancerous Condition as an outpatient in a Physician’s office, clinic, Hospital, or Ambulatory Surgical Center.

How much is Aflac cancer wellness benefit?

Annual Care Benefit Aflac will pay $500 on the anniversary date of a Covered Person’s Internal Cancer diagnosis upon proof that the Covered Person is still under the active care of a Physician. This benefit is not payable for Associated Cancerous Conditions or nonmelanoma skin Cancers.

What illness does Aflac cover?

That’s the benefit of an Aflac group Critical Illness plan. It can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over out-of-pocket costs.

Can you get short-term disability for a pre-existing condition?

Pre-existing conditions are not covered by short-term disability insurance in many cases; when they are, it’s usually only after 12 months or more has passed since the policy went into effect. Short-term disability coverage also won’t provide medical care or long-term care.

Can you get cancer insurance if you already have cancer?

4. You may not be able to get cancer insurance if you’ve been diagnosed with cancer. Some companies will deny you cancer insurance coverage if you have cancer or had it in the past. “It may not be obtainable if you have already been diagnosed with a cancerous condition.

How much does Aflac pay for cancer diagnosis?

ANNUAL CARE BENEFIT: Aflac will pay $200 on the anniversary date of a Covered Person’s diagnosis of a covered Invasive Cancer for care other than the direct treatment of Cancer to meet the Covered Person’s physical, emotional, spiritual, or social needs. Lifetime maximum of five annual $200 payments per Covered Person.

Does Aflac critical illness cover cancer?

And, during recovery, having to worry about out-of-pocket expenses is the last thing anyone needs. That’s the benefit of an Aflac group Critical Illness plan. It can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack or a stroke.

Does Aflac pay for ultrasounds?

While coverage is in force, we will pay this benefit for preventive testing once each 12-month period. Benefits include and are payable for annual physical exams,mammograms, Pap smears, eye examinations, immunizations, flexible sigmoidoscopies, PSA tests, ultrasounds, and blood screenings.

How much does Aflac pay for a biopsy?

Aflac will pay $75 per calendar year when a charge is incurred for one of the following: breast ultrasound, biopsy, flexible sigmoidoscopy, hemocult stool specimen, chest X-ray, CEA (blood test for colon cancer), CA 125 (blood test for ovarian cancer), PSA (blood test for prostate cancer), thermography, colonoscopy, or …

Does Aflac critical illness cover pre existing conditions?

A. Aflac will not pay benefits for any Loss that is caused by a Pre-existing Condition, unless it begins more than 12 months after the Effective Date of coverage. Benefits are payable for only one covered Loss at a time per Covered Person.

What does Aflac pay on cancer policy?

Skin Cancer Surgery Benefit. Aflac will pay the indemnity ($100 to $600)listed when a surgical operation is performed on a covered person for a diagnosed skin cancer and a charge is incurred for the specific procedure. The benefit listed in the policy includes anesthesia services.

What does Aflac Cancer Policy cover?

The Aflac cancer policy covers cancer wellness check-ups, treatments like chemo, radiation, experimental treatments, stem cell replacement and bone marrow transplants, as well as hospitalization benefits, continuing care benefits, ambulance, transportation, and lodging.

What does Aflac critical illness policy cover?

Aflac Group Critical Illness. Having a Critical Illness policy may help you pay for expenses you could incur when diagnosed with a covered illness such as a heart attack, stroke, coma, major organ failure and possibly cancer.

What is the Aflac sickness policy?

Aflac will not pay benefits for treatment or loss due to Sickness including (1) any bacterial, viral, or microorganism infection or infestation or any condition resulting from insect, arachnid, or other arthropod bites or stings; or (2) an error, mishap, or malpractice during medical, diagnostic, or surgical treatment or procedure for any Sickness.