What it can support
Benefits for covered emergency care, ambulance services and tests.
Health & recovery
Accident Insurance
An unexpected injury can create expenses beyond the medical bill. Accident coverage can provide cash after a qualifying injury and covered treatment.
Your coverage perspective
Make room for what matters.
An unexpected injury can create expenses beyond the medical bill. Accident coverage can provide cash after a qualifying injury and covered treatment.
Explore this sectionSee how the conversation unfolds.
A cyclist fractures a wrist and needs follow-up care. If the accident and treatments qualify, policy benefits could help with household bills while recovery disrupts the routine. Illustration only; no payment is guaranteed.
Explore this sectionA conversation built around you.
Share your priorities with HQINS. Ask about availability, policy details and the next steps for your situation.
Connect with HQINSThe essentials
Make room for
what matters.
An unexpected injury can create expenses beyond the medical bill. Accident coverage can provide cash after a qualifying injury and covered treatment.
How to access coverage: Individual and workplace options; confirm the product available in your state.
How it can help
Support for listed injuries, hospital services and surgery.
Details that matter
Eligible follow-up treatment, rehabilitation and medical equipment benefits.
From coverage to everyday life
See how the conversation unfolds.
A weekend injury
A cyclist fractures a wrist and needs follow-up care. If the accident and treatments qualify, policy benefits could help with household bills while recovery disrupts the routine. Illustration only; no payment is guaranteed.
Understand what must qualify.
Only covered accidents, injuries and services qualify. Benefit schedules and exclusions depend on the policy.
Know what to ask before you apply.
Discuss your existing coverage, access route and priorities with HQINS. Ask for the applicable policy schedule and a state-specific quote. Individual and workplace options; confirm the product available in your state.
Fictional educational example. It does not represent a customer, approved claim, guaranteed payment, premium, or personalized recommendation.
What to review
Clarity before commitment.
Only covered accidents, injuries and services qualify.
Benefit schedules and exclusions depend on the policy.
This supplements major medical coverage; it does not pay every bill.
Ask for the exact policy or certificate, state-specific premium and effective date before making your decision.
The planning studio
Put your own numbers in perspective.
Explore an expense scenario. The result is a discussion starter, not an estimate of what this insurance would pay.
Adjust the sliders to explore your own scenario.
Your scenario
Resources compared with modeled needs
Illustration · your assumptions
Potential expense planning gap$4,000Available resources appliedRemaining gap
Illustrated total needs$8,000
Your available resources$4,000
Formula: 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 prioritiesKnow before you choose
Good questions. Clearer choices.
Who receives the money?
The insured generally receives benefits unless they are assigned.
Can benefits help with daily bills?
Cash benefits can be used for medical or everyday expenses.
Does every injury qualify?
No. The policy defines covered injuries, services and exclusions.
Related coverage
Continue exploring.
Product and service references: Official Aflac source 1 ↗, Official Aflac source 2 ↗. Reviewed October 12, 2026. Confirm current policy documents with an advisor.
A conversation changes things
Let’s make your
next step a clear one.
Tell us what you want to protect. HQINS can help you explore Aflac coverage, understand the details, and discuss the options available to you.
HQINSHIGH QUALITY INSURANCE SOLUTIONSYour contact cardChino Hills, California
13925 City Center Drive, Suite 267Chino Hills, CA 91709View office address on Google Maps ↗Save HQINS to your contacts