Real advice that makes supplemental insurance easy.

Easy to Understand Why

What is Accident and Sickness Insurance?

Accident and Sickness insurance helps you offset your expenses in the unfortunate event you suffer an accident or sickness. 

Combined Insurance pays cash benefits directly to you so you can use the money to help pay for out-of-pocket medical costs, lost wages or other unexpected expenses due to illness or injury.

Do I really need Accident and Sickness insurance?

Unexpected accidents and illnesses happen. When they do, it can leave you and your family vulnerable to out-of-pocket expenses. 

Accident and Sickness insurance benefits reduce the worry about how you will pay for those expenses. With less worry, it's easier for you and your family to focus on getting well.

What happens when I have a covered accident or sickness?

Filing a claim with Combined Insurance is easy. 

Visit the Combined Insurance web site to download your claim form, or call 0800 COMBINED (266 246) to have one mailed to you.

How do I get Accident and Sickness insurance?

Combined Insurance makes it easy for you. 

Just call us on 0800 COMBINED (266 246) to schedule an appointment with a local Combined Insurance Representative. 

During the visit, our Representative will work with you to identify your protection needs, and then offer coverage options to help meet those needs.

Easy to Understand Insurance

Accident Insurance

Accidents can happen anytime, anywhere; unfortunately they do happen and you need to be prepared when they do.  

Our three accident insurance plans; Accident Hospital Plan, Accident Disability Plan and Bodyguard Personal Injury Plan help you offset the expenses associated with injury caused by an Accident through daily or lump sum benefits depending on the Plan.

Sickness Insurance

Healthcare decisions are too important to be left to chance.  When a major illness touches you or your family, sickness insurance helps you pay for some of the costs associated with the loss of time or recovery. 

Our Sickness Disability Plan, Sickness Hospital Plan, Cancer Disability Plan and Critical Illness Plan provides four ways Combined Insurance can help protect your family when needed.

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