Aflac's Hospital Insurance for individuals and families offers a financial safety net by providing cash benefits directly to policyholders to cover expenses that are not typically covered by major medical insurance. This includes scenarios like unexpected hospital visits, which can lead to significant out-of-pocket expenses. The insurance is available through worksite payroll deduction, ensuring that policyholders can receive fast payments to alleviate the financial burden of medical bills, thus allowing them to focus more on recovery than financial stress.