CRITICAL CARE PROTECTOR Supplemental coverage for critical illness.

Get up to $50,000, depending on the plan you select, when diagnosed with a covered critical illness.

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Critical Care Protector

Critical Care Protector helps meet the challenge of paying the bills while you recover.

The Critical Care Protector policy pays a lump-sum benefit if you are diagnosed or treated1 for one of the following conditions:
  • Multiple Sclerosis
  • Paralysis (Two or more limbs)
  • Dismemberment (Two or more limbs)
  • Severe Burns
  • Blindness
  • Heart Attack
  • Heart Surgery
  • Cancer (except Skin Cancer other than malignant melanoma)
  • Stroke
  • Brain Tumor (must require surgery)
  • Kidney Failure

While you recover

Spend your benefit as you like

Often pays the next day

56 million Americans have trouble paying their medical bills. And even the best major medical insurance leaves you to pay premiums, deductibles and out-of-pocket costs – let alone your regular month housing, food and other expenses.2

Learn More About Critical Care 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 you, 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. Some or all benefits are not payable unless the insured survives at least 14 days following a covered loss in CA, CO, DC, ID, MD, MI, MT, NM, NC, OR, or WY
  2. NerdWallet Health, Medical Bankruptcy, June 19, 2013

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.

NOTE: Covered conditions may vary by state.

Get a quote – Critical Care 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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