Aflac Introduces Hospital Advantage Policy

Tue Mar 5, 2013 8:00am EST

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COLUMBUS, Ga.,  March 5, 2013  /PRNewswire/ -- Aflac, the No. 1 provider of
voluntary and guaranteed-renewable insurance in  the United States, launched a
new hospital confinement indemnity insurance policy designed to help with
out-of-pocket costs resulting from an unexpected hospital stay or visit to the
emergency room. With the average hospital stay in  the United States  now
costing approximately  $10,0001, Aflac's new hospital plan is a cost-effective
benefits solution that helps workers pay for expenses that are not covered by
major medical insurance.

Aflac's Hospital Advantage policy offers multiple options and levels and
includes hospital confinement benefits of up to  $3,000, a health savings
account-compatible option, guaranteed-renewable options and one rate for all

"It's clear that workers are facing rapidly increasing costs associated with
their health care, but our research shows that many are financially unprepared
to deal with higher out-of-pocket expenses, increased deductibles and
co-payments," said  John Harmeling, senior vice president of Aflac Worksite
Marketing. "Our new Aflac Hospital Advantage policy offers added protection to
help offset rising hospital care costs and can help provide employees with peace
of mind during their time of need."

Product benefits per covered individual include:2

* Option 1 -  Cash benefits of up to  $3,000  for hospital confinement and up to
 $100  per day for treatment at a rehabilitation facility, in a hospital
emergency room and during short hospital short-stays, depending upon the plan
* Option 2 -  All benefits included in Option 1, pluscash benefits of  $25  per
physician visit,  $150  for once-yearly medical diagnostic and imaging, and up
to  $1,000  twice yearly for transportation via air ambulance.  
* Option 3 -  All benefits included in Options 1 and 2, pluscash benefits of up
to  $1,000  per 24-hour period for surgery and  $100  per 24-hour period for
invasive diagnostic exams.  
* Option 4 -  All benefits of Options 1, 2 and 3, plus cash benefits of  $100 
per day for hospital confinement of up to 365 days, as well as for intensive
care unit confinement of up to 30 days.  
* Option H (HSA-Compatible)-  This is an HSA-compatible plan and includes a
hospital confinement benefit of up to  $3,000, as well as  $100  per day for
daily hospital confinement and hospital intensive care unit confinement.

American workers without financial plans in place could have difficulty paying
for high out-of-pocket costs resulting from an accident or illness such as
mortgage, rent or car payments, transportation, groceries and child care. In
fact, many Americans are not prepared to pay for these costs: According to the
2012 Aflac WorkForces Report, 28 percent of workers have less than  $500  and 51
percent have less than  $1,000  in savings for emergency expenses.3

"Americans who are strapped for cash generally budget their money based on their
current living expenses and priorities, making illnesses and injuries something
they react to, rather than plan for," said Harmeling. "Aflac Hospital Advantage
steps in to help when it's needed most."

For more information, visit,  or follow 
@aflac  on Twitter.

About Aflac     
When a policyholder gets sick or hurt, Aflac pays cash benefits fast. For nearly
six decades, Aflac insurance policies have given policyholders the opportunity
to focus on recovery, not financial stress. In  the United States, Aflac is the
number one provider of guaranteed-renewable insurance. In  Japan, Aflac is the
number one life insurance company in terms of individual policies in force.
Aflac individual and group insurance products provide protection to more than 50
million people worldwide. For six consecutive years, Aflac has been recognized
by Ethisphere magazine as one of the World's Most Ethical Companies. In 2013,
FORTUNE magazine recognized Aflac as one of the 100 Best Companies to Work For
in America for the 15th consecutive year. Also, in 2013, FORTUNE magazine
included Aflac on its list of Most Admired Companies for the 12th time, ranking
the company number one in the life and health insurance category. Aflac
Incorporated is a Fortune 500 company listed on the New York Stock Exchange
under the symbol AFL. To find out more about Aflac, visit or     

1  Hospital StatisticsĀ© 2010 Edition, Health Forum LLC

2  May not be applicable for residents of AZ, AR, ID, PA, OK, OR, OK, NY, SD,
TX, VI, and VA

3  2012 Aflac WorkForces Report, a study conducted by Research Now on behalf of
Aflac,  January 24-February 23, 2012

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 Media Contacts:                                             
 Kip Havel                 Cathleen Bleers                   
 Aflac                     Hill+Knowlton Strategies          
 706.243.5543              312.255.3123                


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