Is Aflac health insurance

Answer 1

It is a form of accident and health insurance, but it is supplemental in nature. That is, it does not provide primary benefits that are tied, for example, to the amount of a medical expense. Instead, it pays a fixed daily amount if a covered occurrence renders one unable to work, hospitalized, or some other risk specified in the policy.

Aflac is available to individuals to purchase on their own, but it is often offered by employers to employees during periods of "open enrollment" for group major medical coverage. Even in those instances, the employee pays the entire premium for the coverage, which supplements and stands separately from any other coverage that the employee has.