Accident Insurance
An unexpected injury can create expenses beyond the medical bill. Accident coverage can provide cash after a qualifying injury and covered treatment.
Explore coverageYour life. An extra layer of protection.
Keep moving toward what matters. Explore Aflac coverage with HQINS to help prepare for the expenses life doesn’t plan for.
For individuals, families and employers. Availability and policy terms vary by state and plan.
From an unexpected injury to the everyday needs of your family, start with the priorities that feel closest to home.
Explore this sectionAn injury or illness can affect more than a medical bill. Housing, groceries and other responsibilities can continue during recovery.
Explore this sectionShare your priorities with HQINS. Ask about availability, policy details and the next steps for your situation.
Connect with HQINSHQINS in partnership with Aflac.
A personal conversation. A clearer view of your options.
Protect your possibilities
From an unexpected injury to the everyday needs of your family, start with the priorities that feel closest to home.
An unexpected injury can create expenses beyond the medical bill. Accident coverage can provide cash after a qualifying injury and covered treatment.
Explore coverageCancer coverage can add financial support from eligible screenings through covered treatment and recovery, helping protect the household budget.
Explore coverageA covered major health event can interrupt income and family plans. Critical illness insurance can provide a lump-sum benefit for a qualifying diagnosis.
Explore coverageLife insurance can help loved ones manage financial responsibilities after the insured dies from a covered cause.
Explore coveragePlan for preventive visits and help with eligible basic and major dental procedures.
Explore coverageWhen a covered illness or injury prevents work, short-term disability coverage can replace part of lost income during recovery.
Explore coverageUnderstand the bigger picture
An injury or illness can affect more than a medical bill. Housing, groceries and other responsibilities can continue during recovery.
Select a layer to understand its role.
Major medical insurance helps pay for medical care under its network, cost-sharing and plan terms. Review what you already have.
Savings and existing benefits are part of your financial picture. Consider what you could use toward unexpected expenses.
Supplemental policies cover specific events under their terms. They do not replace major medical insurance or cover every expense.
Each layer has a distinct purpose. Supplemental policies do not cover every expense or replace major medical insurance.
Your coverage compass
Choose a priority to reveal a few useful places to begin.
A thoughtful path forward
Start with the people, routines and financial responsibilities you want to protect.
Discuss availability, benefit limits, waiting periods, premiums and how coverage works alongside what you have.
Review your options with HQINS. If you apply, coverage begins only under the insurer’s approval and policy terms.
The planning studio
A few personal assumptions can make an abstract question feel more concrete. Try the interactive expense planner.
Adjust the sliders to explore your own scenario.
Resources compared with modeled needs
Illustration · your assumptions
Potential expense planning gap$4,000Formula: medical costs + monthly bills × months − available savings, with a minimum of $0. Enter your own assumptions. This does not calculate insurance benefits or premiums. Educational only; not a quote, benefit estimate, or coverage recommendation.
Discuss these prioritiesFor the people behind your business
Explore voluntary coverage, group benefits and employer services with a clear view of enrollment and administration.
A conversation changes things
Tell us what you want to protect. HQINS can help you explore Aflac coverage, understand the details, and discuss the options available to you.