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Quizzes > Business & Finance

Think You Know Health Insurance? Take Our Aflac Trivia Quiz!

Challenge Yourself with This Health Insurance Trivia Quiz!

Editorial: Review CompletedCreated By: Rafael BaenaUpdated Aug 28, 2025
Difficulty: Moderate
2-5mins
Learning OutcomesCheat Sheet
Paper art style Aflac duck in cap with quiz icons beside health insurance text on coral background

This Aflac trivia quiz helps you check your health insurance IQ and make sense of policies, coverage, claims, and common exclusions. Play to uncover gaps, learn a few handy tips, and have fun in minutes - useful before you pick a plan - then try another quiz .

What type of coverage is Aflac best known for offering?
Supplemental insurance that pays cash benefits to the policyholder
Medicare Part B coverage administered by CMS
Primary major medical insurance plans sold on the ACA Marketplace
Self-funded employer health plans regulated by ERISA
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Aflac benefits are typically paid to which party by default when a covered event occurs?
The hospital only
The employer only
The policyholder or insured person
The state insurance department
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True or False: Aflac policies are designed to replace your primary health insurance.
False
True
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Which Aflac policy type commonly pays a lump-sum benefit upon first diagnosis of a covered serious illness?
Travel insurance
Critical illness insurance
Vision insurance
Pet insurance
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True or False: Aflac accident insurance may pay a benefit for a covered fracture even if your health plan already paid the medical bill.
False
True
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A pre-existing condition limitation on some Aflac policies most often affects which period?
Benefits for specified conditions during an initial look-back and waiting period
Only travel outside the state
Only dental cleanings after year five
All claims forever regardless of timing
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True or False: Aflac supplemental policies are generally underwritten separately from your primary health insurance plan.
False
True
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Which example best illustrates how Aflac coordinates with a Health Savings Account (HSA)?
Aflac automatically deposits claim money into your HSA as a contribution
Aflac determines your HSA's annual limit
Aflac pays cash benefits that do not count as HSA contributions or distributions
Using an HSA disqualifies you from owning any Aflac policy
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True or False: Filing an Aflac claim usually requires documentation that verifies the covered event, such as an EOB or itemized bill.
True
False
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What is a common feature of Aflac cancer insurance policies?
Payment only to the oncologist, never to the insured
Guaranteed payment regardless of diagnosis
Coverage only if treatment occurs outside the United States
Benefits for covered treatments and often a first-diagnosis lump sum
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What does a waiting period on certain Aflac policies usually mean?
Your claim will be delayed indefinitely
A requirement to see only one doctor
A set time after the policy starts before some benefits become payable
A period when you cannot contact customer service
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True or False: Aflac hospital indemnity plans may include a per-day benefit for inpatient stays up to a maximum number of days.
True
False
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Which best describes how Aflac's cash benefits can be used?
Only for mortgage payments
For any purpose the insured chooses, such as medical or non-medical expenses
Only to reimburse the employer
Only for prescription copays at in-network pharmacies
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True or False: If your primary insurance denies a claim as out-of-network, Aflac supplemental policies automatically deny benefits for the same event.
False
True
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Which is a typical exclusion you might find in an Aflac accident policy?
Injuries from tripping on your own driveway under any circumstance
Injuries resulting from professional sporting activities, subject to policy terms
All injuries occurring after sunset
Any injury treated in an urgent care
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Which best explains the term benefit schedule in many Aflac policies?
A payment plan for unpaid medical debt
A list of specific covered events and the cash amounts payable for each
A timetable for hospital visiting hours
A calendar of open enrollment dates across all employers
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True or False: Claims fraud can lead to denial, policy cancellation, and potential legal consequences under Aflac policies.
False
True
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Which regulatory body primarily oversees Aflac's insurance products in the United States?
State departments of insurance in the states where policies are issued
The Federal Reserve Board
The Department of Transportation
The United Nations
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True or False: Portability guarantees that premiums and benefits will never change after you leave your employer.
True
False
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Which illustrates how coordination of benefits typically works with Aflac?
Aflac replaces Medicare payments on request
Aflac always duplicates the exact hospital invoice amount
Aflac pays nothing if any other insurer exists
Aflac pays its scheduled cash benefit regardless of what your health plan paid, subject to policy terms
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Study Outcomes

  1. Understand Aflac Policy Fundamentals -

    Gain a clear grasp of how Aflac supplemental insurance works, including its core purpose and coverage structure, by testing your knowledge with Aflac trivia questions.

  2. Identify Key Benefit Types -

    Recognize the various benefits Aflac offers - such as hospital cash, short-term disability, and critical illness - and distinguish between their unique features.

  3. Recall Coverage Terms and Definitions -

    Memorize and accurately define essential health insurance and Aflac-specific terms to boost your insurance literacy through this insurance trivia quiz.

  4. Apply Quiz Insights to Real-World Scenarios -

    Use the insights gained from our health insurance trivia quiz to assess and select the most suitable supplemental coverage for different personal or family needs.

  5. Evaluate Your Health Insurance IQ -

    Measure your expertise in supplemental coverage by completing our insurance quiz online, then analyze your score against correct answers to spot knowledge gaps.

Cheat Sheet

  1. Supplemental vs. Primary Coverage -

    Supplemental health insurance, like Aflac's accident or cancer policies, pays benefits on top of primary plans to cover gaps such as deductibles and co-pays. According to the National Association of Insurance Commissioners (NAIC), understanding how supplemental plans interact with your primary coverage helps prevent unexpected out-of-pocket expenses. Tip: Remember the phrase "Supplement Sails Above" to recall that these policies kick in after your main plan.

  2. Benefit Calculation Formula -

    Most Aflac plans use a straightforward formula: Benefit Paid = Policy Face Amount - Deductible. For example, a $1,000 cancer benefit with a $100 deductible yields a $900 payment per claim. The Centers for Medicare & Medicaid Services (CMS) emphasizes confirming benefit triggers and time limits in your policy to avoid surprise shortfalls.

  3. Key Policy Riders and Add-Ons -

    Common Aflac riders include hospital indemnity, critical illness, and intensive care unit (ICU) coverage - each addressing specific financial risks. A handy mnemonic is "HIC" (Hospital, ICU, Critical illness) to recall the top three add-ons. Data from the American Council of Life Insurers (ACLI) shows that combining riders can boost protection by up to 40% in high-risk scenarios.

  4. Streamlined Claims Process -

    Aflac's digital portal lets you submit claims online in as little as five minutes and track status in real time. Industry research published in the Journal of Insurance Operations notes faster reimbursements - often within 24 - 48 hours - when you upload itemized bills and EOBs promptly. Pro tip: Keep scans of receipts in a dedicated folder to speed up future filings.

  5. Essential Insurance Terms -

    Mastering terms like premium, deductible, coinsurance, and out-of-pocket maximum is crucial for acing insurance trivia quizzes. Use the acronym "P D C O" (Premium, Deductible, Coinsurance, Out-of-pocket) to memorize the sequence of your financial responsibilities. Definitions from the Insurance Information Institute (III) are a reliable reference to ensure you have the facts straight.

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