While I was issuing a supplemental accident insurance policy for a customer, their son was injured in an all-terrain vehicle accident. The policy helped them with their out-of-pocket medical expenses.

Accident and Sickness Insurance

The cost of hospitalization, emergency-room care and outpatient recovery can cost more than an average family earns in a month, yet millions of Americans are not prepared to pay for expenses that major medical insurance does not cover. Combined Insurance's Accident Protector and Accident & Sickness Protector policies are supplemental accident insurance and sickness insurance policies that are clearly written, easy to understand and can help with those uncovered expenses without breaking your budget.

Ways Accident and Sickness Insurance Protects You

Five ways Accident and Accident & Sickness Insurance can take care of you and your family:

  1. COVERAGE BEGINS IMMEDIATELY UPON ISSUANCE: No waiting period.
  2. BENEFITS PAID DIRECTLY TO YOU: Benefits are paid in addition to all other private insurance and are paid directly to you, or to whomever you choose.
  3. PEACE OF MIND: You are protected 24 hours a day, every day of the year, both on and off the job.
  4. NO CLAIMS PENALTY: No reduction in benefits because of the number of claims incurred.
  5. YOU ARE THE OWNER OF THIS POLICY: Which means you can keep this coverage even if you change employers.

Accident Protector

Accident Protector can pay you cash in the event of an accidental injury. It’s a great way to protect your family from some of the financial consequences of an unexpected accident.

Learn about Accident Protector


Accident & Sickness Protector

Accident & Sickness Protector can pay you cash in the event of an accidental injury or covered sickness. Help protect yourself and your family from the financial difficulty an accident or serious illness can bring.

Learn about Accident & Sickness Protector


Availability from a particular company varies by product and state. Subject to availability and qualifications. Life, accident & sickness and disability insurance policies issued by Combined Insurance Company of America in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York. Combined Insurance Company of America is not licensed and does not solicit business in New York.

May Not Be Available In All States

IMPORTANT NOTICE:
This policy is not comprehensive health insurance coverage (otherwise referred to as "Major Medical Coverage") and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Needs Assessment

Download the Needs Assessment worksheet to see if you and your family have the insurance protection you need.

Keith's Story - An Individual
Keith's Story An individual

I was skeptical about signing on with Combined Insurance, and I had it for a couple of years before I ever used it. Every time I’ve had something happen, and submitted my paperwork with Combined Insurance, my claims have always been paid out hassle-free and promptly.

Read the full story

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