ACCIDENT CHAMPION Accidents happen.

Accidents are, by definition, unplanned. But you can be prepared for what might come your way. 

Accident Champion helps make sure you and your family are ready

If an accident sends you to the emergency room, lands you in the hospital or requires a recovery period after hospital confinement, Accident Champion pays cash directly to you. So instead of worrying about how you’re going to pay your bills, you can focus on getting better.

Help with a wide range of costs associated with injuries from an accident

Four out of 10 people are treated in emergency rooms every year.1 The typical length of a hospital stay is five days – and costs over $10,000.2 That’s more than two month’s income for the average American family!3

If you or a family member is hospitalized, do you have an emergency cash fund to help pay for non-medical expenses? Because even though you’re injured you still need to pay insurance deductibles and copayments as well as monthly household bills like rent or mortgage, car payments, groceries and utilities. You might even need to pay someone to help around the house while you’re recovering.

The Accident Champion policy is available for individuals or families.

This is an accident only policy and does not provide benefits for loss due to sickness.

1National Safety Council, Injury Facts, 2014.
2Agency for Healthcare Research and Quality, Costs for Hospital Stays in the United States, 2012
3U.S. Census Bureau, 2014


Prepare for the unexpected.

Combined Insurance offers supplemental insurance that provides benefits that your major medical insurance may not. Combined Insurance’s valuable products and personal service can help make sure you and your family get the coverage you need. Our policies are easy to understand and our professional agents are always ready to help.

The policy is:

  • Comprehensive: You’re covered 24 hours a day, 7 days a week, whether you’re at work or on your own time.
  • Convenient: Benefits are paid directly to you, not to the hospital or facility where you are being treated.
  • Comforting: This policy is yours, independent of your employer. You can switch jobs but keep the same insurance policy.

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.

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 (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.

A common occurence