Claims

The fastest way to file a claim is through your online account or our mobile app, AFmobile®.
Download AFmobile from the Apple App Store or Google Play Store.

File a Claim

Select a product below to learn how to file a claim.

AFQuickClaims®

If you have an American Fidelity cancer, accident, or critical illness policy, your annual wellness benefit may be eligible for quick claims processing! When you submit your annual wellness, diagnostic testing, or health screening claim online or through AFmobile, you can receive your benefit in as little as one day when enrolled in direct deposit.

Learn More About AFQuickClaims 

AFQuick Claims Video

Frequently Asked Questions

How do I file an insurance claim?

The fastest way to file an insurance claim is through your online account, or on our mobile app, AFmobile®.

  • Online
    1. Log in to your online account
    2. Click on the File a Claim button
    3. Click on the policy you want
    4. Upload the requested documentation and click on the Upload File button
    5. Click on the Next button and enter the remaining information on the following pages
    6. Check the acknowledgment box and click on the Submit button
  • AFmobile
    1. Touch the File a Claim button on the AFmobile dashboard
    2. Select the policy you are filing a claim and touch the Choose Files button
    3. Either snap a photo of your documentation and touch the Attach Documents button or upload it from your mobile device and hit Next
    4. Follow the prompts and fill out the required information
    5. Check the acknowledgment box and click on the Submit button
  • Fax or Mail
    1. Download and complete the appropriate claim form from our claim form pagePlease note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

The fastest way to file a reimbursement claim is through your online account, or on our mobile app, AFmobile®.

  • Online
    1. Log in to your online account
    2. Click on the Access My Reimbursements button
    3. Choose Add Claim on the Claims dropdown
    4. Complete the claim form
    5. Upload receipt
    6. Click the Submit button
  • AFmobile
    1. Touch the Submit Reimbursement button on the AFmobile dashboard
    2. Complete the Claim Form
    3. Upload receipt
    4. Click the Submit button
  • Fax or Mail
    1. Download and complete the appropriate claim form from our claim form pagePlease note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

The fastest way to check the status of a claim is through your online account, or on our mobile app, AFmobile®.

For Insurance Claims:

  • Online
    1. Log in to your online account
    2. Click on the My Benefits tab
    3. Under My Benefit Account Overview, click on the gray View Claims button next to the policy you are checking on
  • AFmobile
    1. From the AFmobile dashboard, scroll down to the Insurance Claims
    2. Choose either In Process or Processed
      • When you file a claim, it will be located under In Process until it has been processed.
      • Once your claim is processed, it will be located under Processed

For Reimbursement Claims:

  • Online
    1. Log in to your online account
    2. Click on the Access My Reimbursement Account button
    3. Choose Claim Activity on the Claims dropdown
      • Claims that are approved will be listed in green.
      • Claims that require action, such as receipt or more information, will be listed in blue. Click on the transaction to view more details.
      • Claims that are denied will be listed in red. Click on the transaction to view more details.
  • AFmobile
    1. From the AFmobile dashboard, select Overview under Reimbursement Accounts. Then, select the menu icon on the top left, and select Claims.
      • Claims that are approved will be listed in green.
      • Claims that require action, such as receipt or more information, will be listed in blue. Click on the transaction to view more details.
      • Claims that are denied will be listed in red. Click on the transaction to view more details.

For Insurance Claims:

  • Online
    1. Log in to your online account
    2. Click on your name in the top right of the screen to access My Profile
    3. Scroll down and click on the Direct Deposit tab
    4. Enter or update your bank account information
    5. Click on the Save Direct Deposit button
  • AFmobile
    1. From the AFmobile® dashboard, go to your Profile
    2. Under Direct Deposit, select Insurance Direct Deposit
    3. Follow the prompts to set up your account and click on the Save Direct Deposit button

For Reimbursement Claims:

  • Online
    1. Log in to your online account
    2. Click on the Access My Reimbursement Account button
    3. Click on your name in the top right of the screen to access your User Profile
    4. Select the Edit button above Reimbursement Method
    5. Select Direct Deposit
    6. Enter or update your bank account information
    7. Click on the Save Direct Deposit button
  • AFmobile
    1. From the AFmobile® dashboard, go to your Profile
    2. Under Direct Deposit, select either Reimbursement Direct Deposit or Insurance Direct Deposit
    3. Follow the prompts to set up your account and click on the Save Direct Deposit button
  1. Log in to your online account or AFmobile
  2. Select the Additional Documentation button
  3. Select either Reimbursement Account(s) or Insurance Claim
    • For Reimbursement Accounts, select the pending transaction and click Add Receipt to upload documentation.
    • For Insurance Claims, select the insurance policy from the dropdown, then upload your documentation.

For more FAQs, visit the Support page.

Go Paperless!

Log in to your online account to update your preferences.

Elect Paperless EOBs

Elect Paperless EOBs

Elect to view electronic Explanation of Benefits (EOBs) and other insurance claims documentation through your online account.

Get Email and Text Alerts

Get Email & Text Alerts

Update your claims communications preferences online to receive Claim Received and Claim Processed emails and/or text messages.

Sign Up for Direct Deposit

Sign Up for Direct Deposit

Sign up to receive your benefit payments faster through direct deposit. Please note, you must sign up separately for insurance claims and reimbursement account claims.

Need help?

If you have questions about your policy, log in to your online account or AFmobile to download your policy or visit the support section.

If you need to file a paper claim, download and print a claim form here.
NOTE: Paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.