Frequently Asked Questions

General Questions

What is supplemental accident and health insurance?
If I purchase a supplemental accident and health insurance policy, do I still need major medical insurance?
What kinds of products does Combined Insurance offer?

What is supplemental accident and health insurance?

Supplemental insurance policies are separate from your major medical insurance and help you pay for things associated with major injury or illness. The benefits are paid directly to you, not the medical provider, so you're able to use the benefits to pay for out-of-pocket medical costs, supplement lost wages or pay for some of the other unexpected expenses when a covered loss occurs.

If I purchase a supplemental accident and health insurance policy, do I still need other insurance?

Yes. Other insurance coverage is important. Our affordable supplemental insurance products such as cancer, disability and accidental injury policies provide you with money to pay for some of the expenses not covered by other insurance.

What kinds of products does Combined Insurance offer?

We offer a number of products, including disability, accident, health, critical illness and life insurance policies. Each is clearly written and easy to understand so you can make the right decisions about your coverage and find the best supplemental insurance plans to meet your needs.

Billing Questions

How can I pay for the premiums on my policy?
Which credit cards do you accept?
What is the pre-authorized payment method?
If I pay by phone, will my bill still be sent in the mail?
Will I be sent a receipt?
Who can I contact with additional questions about billing payment options?

How can I pay for the premiums on my policy?

You’re able to pay for supplemental insurance plans in several convenient ways. The easiest way to pay your premium is to sign up for our convenient pre-authorized deductions from your chequing account. You can also pay with a credit card, or by mail. And, for your convenience, you can choose to make one payment for multiple policies.

Which credit cards do you accept?

We accept Visa and MasterCard. Please contact us at 1 888 234-4466 and one of our customer service specialists will assist you in processing your credit card payment.

Our business hours are 8:00 a.m. - 7:00 p.m. EST, Monday through Friday.

What is the pre-authorized payment method?

Our pre-authorized payment plan is the easiest way for you to pay your premiums and ensure that your coverage is in force. You won’t have to write cheques or pay for postage and you’ll have greater peace of mind. For more information contact us by phone, in writing or online.

If I pay by phone, will my bill still be sent in the mail?

You may occasionally receive a premium notice after you make a payment, in these cases you can simply disregard the notice.

Will I be sent a receipt?

Your cashed check or credit card statement showing payment serves as your receipt. You also may contact our office at 1 888 234-4466 and one of our customer service specialists will assist you.

Our business hours are 8:00 a.m. - 7:00 p.m. EST, Monday through Friday.

Whom can I contact with additional questions about billing payment options?

You can contact our office at 1 888 234-4466 and one of our customer service specialists will assist you.
Our business hours are 8:00 a.m. - 7:00 p.m. EST, Monday through Friday.
For more information contact us by phone, in writing or online.

Claims Processing Questions

How long from the date of the service do I have to file a claim?
Who should complete the claim form?
How do I get a claim form?
Where do I send the claim form to be processed?
Can I fax my claim to you?
I have questions about my claim, or would like to check the status of my claim. Who do I call?

How long from the date of the service do I have to file a claim?

In order to take care of your claim as soon as possible, we ask that you give us written notice of a claim within 30 days after a covered loss starts, or as soon as is reasonably possible.

Who should complete the claim form?


We provide you with instructions on who should complete the form and how to file it.

How do I get a claim form?

You can download a claim form and instructions on how to file a claim from our web site. Or you can call, write or fax us to request the appropriate form.

Where do I send the claim form to be processed?

Mail your completed claim form to:

Combined Insurance
P.O. Box 3720 MIP
Markham (Ontario)
L3R 0X5
Attention: Customer Service

Can I fax my claim to you?


You may fax your completed claim form to 905-754-4362.

I have questions about my claim, or would like to check the status of my claim. Who do I call?


You can contact us at  1 888 234-4466 and one of our customer service specialists will assist you.

Our business hours are 8:00 a.m. - 7:00 p.m. EST, Monday through Friday.

Policyholder Questions

How do I add a dependent to the policy?
How do I reinstate my policies?
How do I change my bank account information?
What information do I put on the beneficiary change form?
How can I change the way I pay my premium?
How do I increase benefits on my life policy?
How do I change the ownership of my life policy?
How do I obtain a duplicate copy of my policy?

How do I add a dependent to the policy?

You can send your written request to:

Combined Insurance
P.O. Box 3720 MIP
Markham (Ontario)
L3R 0X5
Attention: Customer Service

How do I reinstate my policies?

Specific reinstatement procedures vary with each type of policy we offer. Please consult your policy for its specific reinstatement clause. You may also send a written reinstatement request to:

Combined Insurance
P.O. Box 3720 MIP
Markham (Ontario)
L3R 0X5
Attention: Customer Service

Once your written request has been processed and your reinstatement application has been accepted, we will send you a letter indicating your reinstatement date. Once your reinstatement has been processed, we will send you a letter indicating the amount of premium that is to be submitted.

How do I change my bank account information?

You can contact us at 1 888 234-4466 and one of our customer service specialists will assist you.

Our business hours are 8:00 a.m. - 7:00 p.m. EST, Monday through Friday.

Or you can download and print the Change your bank information form. Please indicate your branch number, bank number and chequing account number. Mail the completed form to:

Combined Insurance
P.O. Box 3720 MIP
Markham (Ontario)
L3R 0X5
Attention: APC Services

A personal check with annotations for the numbers across the bottom, including check number, five digit branch transit number, three digit institution ID number, and account number

What information do I put on the beneficiary change form?

Download and print the Change your beneficiary form. Complete the form and note that you need to indicate the policy number and the name(s) of the new beneficiaries. Mail the completed form to:

Combined Insurance
P.O. Box 3720 MIP
Markham (Ontario)
L3R 0X5
Attention: Customer Service

How can I change the way I pay my premium?


We offer several payment methods, including pre-authorized chequing account withdrawals, credit card, and standard mail billing. You can request a change by contacting us by phone, in writing or on-line.

How do I increase benefits on my life policy?

You can request a change or increase in benefits by phone, in writing or on-line. We consider each request on a case-by-case basis.

How do I change the ownership of my life policy?

Download and print the change ownership form. Complete the form and be sure to include the policy number and the name(s) of the new owner(s). Mail the completed form to:

Combined Insurance
Policyholder Services
P.O. Box 3720 MIP
Markham (Ontario)
L3R 0X5
Attention: Customer Service

How do I obtain a duplicate copy of my policy?

You can obtain a copy of your policy by phone, in writing or on-line.

Technical Questions

Who do I contact if I’m having trouble using your web site?
Why can’t I view forms on this site?
What is Adobe Acrobat Reader and do I need it?

Who do I contact if I’m having trouble using your web site?

You can contact us at 1 888 234-4466 and one of our customer service specialists will assist you.

Our business hours are 8:00 a.m. - 7:00 p.m. EST, Monday through Friday

Why can’t I view forms on this site?

Many of the forms on our web site require you to use Adobe Acrobat Reader to view them. Most newer computers already have this program installed. If yours doesn’t, visit http://get.adobe.com/reader Opens in new window to download the program.

What is Adobe Acrobat Reader and do I need it?


Adobe Acrobat Reader is a free plug-in for your browser that allows you to open and read certain document files types known as PDF (portable document format).

Contacting Combined Insurance

What are your business hours if I need to contact you by phone?
What address do I send written inquiries to?

What are your business hours if I need to contact you by phone?

To speak to a customer service representative please call 1 888 234-4466. Our business hours are 8:00 a.m. - 7:00 p.m. EST, Monday through Friday.

What address do I send written inquiries to?

You can send your written correspondence to:

Combined Insurance
P.O. Box 3720 MIP
Markham (Ontario)
L3R 0X5
Attention: Customer Service