I paid for their policies for 3 years between two ...

I paid for their policies for 3 years between two jobs and one time I was hospitalized for 4 days and had surgery the other time was outpatient surgery and neither time Aflac would pay me anything.
You have to be very careful and read everything before you sign anything I think in order to get paid you have to get sick on a Tuesday after 4 p.m. on a u.s. highway in a Midwestern State in order to get paid anything.
Personally I will never buy their plans again