As a current customer of AFLAC for almost 10 years I continue to be frustrated that they find every loop hole to not pay the admission benefit and the confinement benefit for a hospital stay due to an injury. Three years ago, I had a hysterectomy which resulted in an injury to my intestine during surgery. This injury was well documented on all of my records as well has causing me to be hospitalized for several weeks. Since this injury occured during an "illness" procedure, they refused to pay. If my intestine became injured from a stabbing from a "bad person", then they would have paid. The injury and recovery would have been compared to a stabbing, but since it occured in a different setting, then I was declined receiving my benefits. Isn't if awful to think that if I was assualted then AFLAC would have paid. For shame on AFLAC.
Well now AFLAC is once again giving me the run around for another injury claim. I was injured from my lawn mower and was admitted to the hospital. The CT scan showed an enlargement of my spleen. Also, the CT scan happened to show inflammation in my colon. Since this information is also being reported, now AFLAC says "no" to any additional benefits on my Accident Policy. They only paid $120.00 for my Emergency Room visit. I have given them every documentation available, to include CT scan report, Doctor's reports, detailed hospital bill (listing date of admission/discharge). For as much as I have paid in premiums for the last 10 years for the Accident and Hospital Indemnity Policies, I think they could pay the $1,300.00 admission benefit and for two days of confinement.
Once again, I am being penalized because AFLAC wants to find a way not to pay. Lucky for them my CT scan reported something else that I was not aware of or would have gone to the Emergency Room for.