ACCIDENT & SICKNESS INSURANCE Can you afford to get sick?

An accident or sickness can mean unexpected medical expenses and other unforeseen costs.

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Accident & Sickness Insurance

Accidents and illnesses are unavoidable.
But you can help make it a little easier for your family.

It’s never a good time for an accident or illness to strike. But if something does happen to you, you’ll feel better knowing your Accident & Sickness Protector pays benefits directly to you1 for covered sicknesses and accidents.

Cash benefits following treatment due to accident or illness

Pays cash directly to you1

Helps with day-to-day expenses

4 out of 10 people will visit an emergency room this year. It’s a fact: according to the National Safety Council, emergency room visits are common, average hospital stays last 5 days2, and the costs of treatment and recovery can add up to an average family’s income for half a year!3

Learn More About Accident & Sickness Protector

Coverage by Combined Insurance


You’re covered 24 hours a day, 7 days a week, whether you’re at work or on your own time.


Benefits are paid directly to you1, not to the hospital or facility where you are being treated.


This policy is yours, independent of your employer. You can switch jobs but keep the same insurance policy.

  1. Unless benefits are assigned by you
  2. National Safety Council, Injury Facts, 2014.
  3. U.S. Census Bureau, 2014

The information provided by this document is only a brief description. See the actual policy for complete details of the policy plans, features, benefits, options, rates, definitions, limitations, and exclusions. Products vary by state and are subject to availability and qualifications.

This product is issued by Combined Insurance Company of America in all states, except New York. In New York, this product is issued by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.

Get a quote – Accident and Sickness Protector

Put our agents to work for you

The best way for you to get the right policy is to get a quote from a Combined Insurance agent. We know our products inside and out – and more important, we know people. Don’t wait another day – request your quote now.

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