Voluntary supplemental insurance


Voluntary supplemental insurance provides an additional level of financial protection in the event of a serious accident or illness. Receive cash benefits paid directly to you, unless otherwise assigned, when you’re sick or injured. You can use the cash to help cover expenses that major medical does not cover, like mortgage, groceries, or whatever you need. It’s like a safety net for you and your family.

How prepared are you to cover unplanned out-of-pocket costs?

PayPal has partnered with Aflac to offer voluntary supplemental group coverage to help you pay out-of-pocket expenses that your major medical insurance doesn't cover, so you can focus on recovery.

Aflac is different from major medical, because it’s insurance for daily living. It pays cash benefits directly to you, unless otherwise assigned, if you are ever in an accident or become seriously ill. You can use these benefits for whatever expenses you have. And rates don’t go up when you file a claim.

There are three plans available for you to consider:

Group accident insurance

Injuries happen. Focus on recovering instead of how to pay the injury bills. This plan provides you with cash benefits (unless otherwise assigned) throughout the different stages of care.

Cost per paycheck

Aflac accident insuranceLow planHigh plan
You only$1.59$2.52
You + spouse$2.66$4.41
You + children$3.30$5.49
You + family$4.37$7.38

Group critical illness insurance

Critical illness insurance takes the sting out of paying for care when you can no longer care for yourself. You’ll be paid a lump-sum benefit to help you cover out-of-pocket expenses if you are diagnosed with a covered critical illness. You can receive a benefit of $15,000 or $30,000 for yourself, and your spouse can receive 50% of the amount of your policy.

Cost per paycheck

Aflac critical illness insurance$15,000 employee benefit$30,000 employee benefit
Age: 18–25$1.76$3.51
Age: 26–30$2.47$4.93
Age: 31–35$2.81$5.61
Age: 36–40$3.83$7.64
Age: 41–45$5.62$11.22
Age: 46–50$6.83$13.66
Age: 51–55$11.17$22.33
Age: 56–60$11.01$22.01
Age: 61–65$22.53$45.06
Age: 66+$39.83$79.64


Aflac critical illness insurance$7,500 spouse benefit$15,000 spouse benefit
Age: 18–25$0.88$1.76
Age: 26–30$1.24$2.47
Age: 31–35$1.41$2.81
Age: 36–40$1.92$3.83
Age: 41–45$2.81$5.62
Age: 46–50$3.42$6.83
Age: 51–55$5.59$11.17
Age: 56–60$5.51$11.01
Age: 61–65$11.27$22.53
Age: 66+$19.92$39.83

Group hospital indemnity insurance

If you or your covered dependent is admitted to the hospital due to a covered accident or sickness, you’ll receive cash benefits to help you cover out-of-pocket expenses. Benefits are paid directly to you, unless otherwise assigned.

Cost per paycheck

Aflac hospital indemnity insuranceLow planHigh plan
You only$4.27$7.71
You + spouse$9.56$18.02
You + children$7.67$13.03
You + family$12.96$23.34

Enrolling in the plans

You can cancel or remove someone from the plan at any time. If you have a qualified life event (death, loss of job, birth, divorce, and marriage), you can increase your benefit amount or add a child or spouse to coverage.

If you terminate your employment with PayPal, you may opt to continue your current Aflac group plan on an individual pay basis. Please see your certificate for details.

Ready to enroll?

Visit Your Benefits Resources (YBR) as a new hire or during Annual Enrollment.

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This is a brief product overview only. The plans have limitations and exclusions that affect benefits payable. Refer to the plans for complete details. Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company.

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