Cancellation Aflac: Step-by-Step Guide

What is Aflac

Overview

Aflac is a supplemental insurance provider that offers policies designed to help cover out-of-pocket expenses not paid by primary health insurance, such as hospital stays, surgeries, and lost income due to illness or injury.

Policies and availability vary by market; this guide focuses on cancelling Aflac coverage for residents or policyholders in the United Arab Emirates and provides practical steps and local considerations.

Policy types

Aflac typically offers individual plans, employer/group plans, and optional riders that modify existing coverage levels.

Specific product names and availability in the UAE may differ from other countries; always check your policy paperwork or contact Aflac for plan-specific details.

How to cancel Aflac

Primary contact methods

• Phone: Call Aflac’s Customer Service Center for cancellation procedures. (See Address section for the number.)
• Mail: Send a written cancellation request to Aflac’s Consumer Response and Resolution Department (postal address in Address section).
• Email or fax: Some third‑party guides note email or fax may be used; request written confirmation of receipt.
• Employer/HR: If your policy is employer‑sponsored, contact your HR/benefits team to process the cancellation.

Step‑by‑step cancellation process

• Gather policy details: policy number, insured name, date of birth, and contact information.
• Call customer service as the fastest method and request cancellation; ask for a cancellation reference number or confirmation email.
• If sending a written request, include policy details, reason for cancellation, effective date, and a signature; mail or fax and keep copies.
• Request written confirmation and note the effective date of cancellation and any refund or balance due details.

What happens when you cancel

Coverage end date

Coverage typically remains active through the end of the current billing cycle or monthly period unless Aflac confirms a different effective date in writing.

Confirm the exact termination date with Aflac so you know when benefits end and to avoid gaps in replacement coverage.

Policy records and data

Aflac will retain policy records per its internal retention policies and applicable law; request a copy of your policy file or correspondence if needed for future disputes.

If your plan was employer‑sponsored, HR records may also reflect the cancellation; keep copies of both insurer and employer confirmations.

Will I get a refund?

General refund policy

Aflac generally does not provide prorated reimbursements for partial months; coverage commonly remains active until the end of the current monthly cycle.

Prepaid annual premium refunds may be possible in some cases, but are often adjusted for any paid‑out claims or outstanding balances.

Exceptions and how to request a refund

• Ask Aflac for a written statement of any refund amount and the calculation method.
• Provide proof of prepayment if applicable (receipt, bank statement, or policy invoice).
• Be prepared for reductions to refunds if claims have been paid against the policy or riders.
• If you believe you are entitled to a statutory refund under UAE rules, contact the local regulator (see consumer rights section).

Aflac plans and pricing

Pricing availability

No publicly available UAE pricing for Aflac products was identified. Most publicly available pricing from Aflac relates to U.S. markets only.

To obtain UAE-specific pricing, contact Aflac directly or consult a local UAE insurance broker or your employer benefits administrator.

Contact for quotes

Use the official Aflac website or Aflac customer service to request plan details and price quotes for your country and circumstances.

Your consumer rights in United Arab Emirates

Cooling‑off / free‑look period

No UAE‑specific "free look" or statutory cooling‑off detail for Aflac was located in available sources.

Some UAE insurance regulations for local insurers commonly allow a 14‑ to 30‑day free‑look with full refund if no claims have been made, but there is no evidence this automatically applies to Aflac UAE - review your policy wording.

Regulators and where to check

If you need clarification on statutory rights or to raise a dispute, contact the relevant UAE authorities:

• Dubai Health Authority (DHA) - for healthcare regulation and guidance in Dubai.
• Insurance Authority (UAE) - for federal insurance rules and consumer guidance.

Customer experiences

Negative feedback themes

Public review sources (mainly non‑UAE) report recurring complaints such as slow claims processing, difficulty obtaining refunds, claim denials, and customer service challenges.

Other reported issues include agents lacking transparency, paperwork hurdles, and difficulties cancelling policies through some channels.

UAE‑specific reviews

No positive user reviews for Aflac in the UAE were identified in the sources available for this guide.

Because most reviews in public forums relate to other markets, treat them as indicative rather than definitive for UAE operations; direct contact with local Aflac representatives is advised.

Documentation checklist

Required documents to cancel

• Policy number and full name of the insured.
• Copy of your policy schedule or certificate of insurance.
• Government ID or passport copy for identity verification.
• Signed written cancellation request (if mailing or faxing).

Helpful optional documents

• Proof of premium payments (receipts, bank statements).
• Any claim correspondence or claim numbers related to the policy.
• Employer confirmation letter for group policies, if applicable.
• Reference or confirmation number from prior phone calls with Aflac.

Common mistakes

Mistakes when cancelling

Waiting for an informal verbal confirmation only: always obtain written confirmation showing the cancellation effective date to avoid recurring charges.

Assuming immediate termination: many policies remain active until the end of the current billing cycle - verify the exact date in writing.

Mistakes about refunds and coverage

Expecting an automatic prorated refund: Aflac often does not prorate monthly refunds; check your policy and ask for a refund calculation.

Not checking employer procedures: if your plan is employer‑sponsored, failing to notify HR may leave premiums active or interfere with payroll deductions.

Comparative recap

Cancellation methods compared

The fastest method is generally calling customer service; written methods provide better documentation for disputes.

Employer channels may be required for group policies and can be the only valid route for employer‑sponsored coverage changes.

Quick comparison table

After cancelling

What to monitor

Verify that premium payments have stopped by checking bank or payroll records for at least one full billing cycle after cancellation.

Retain all cancellation confirmations and any refund statements for your records in case of future disputes.

Where to get help

• Official Aflac information and customer service: aflac.com.
• For UAE regulatory guidance, consult the Dubai Health Authority: dha.gov.ae.
• For federal insurance rules or consumer complaints, consult the Insurance Authority: ia.gov.ae.

Address

Aflac mailing address

Aflac Consumer Response and Resolution Department

PO Box 5388, Columbus, GA 31906‑0388

Customer service phone and website

Customer Service Center (for cancellation procedures): 800‑1433‑13036 (use this number when instructed by local Aflac materials).

Official website: https://www.aflac.com/