Business Details
50+ Years
experience
Your Trusted Partner for Supplemental Insurance Solutions
We are Combined Insurance, a Chubb company with over a century of expertise in supplemental insurance solutions. Established in 1924, our legacy combines deep industry knowledge with a commitment to addressing coverage gaps through innovative products. Our team of certified professionals delivers tailored insurance plans for individuals, families, and businesses, supported by an A+ (Superior) financial strength rating from AM Best and an A+ rating from the Better Business Bureau. We prioritise client-centric service, offering 24/7 support and streamlined claims processes to ensure financial security during critical moments.Our partnerships with independent agents and brokers across the US and Canada enable us to provide accessible, portable coverage that adapts to evolving client needs. Through continuous innovation and adherence to ethical standards, we maintain our position as a trusted leader in supplemental insurance. Our military-friendly ethos and community-focused initiatives further demonstrate our dedication to societal impact beyond core operations.
Services
Accident Insurance
Cancer Insurance
Critical Illness Insurance
Disability Insurance
Hospital Insurance
Life Insurance
Employee Benefits Packages
Health Savings Account Compatible Coverage
Details
- Year established: 1924
Highlights and features
- We offer over 100 years of expertise in supplemental insurance solutions
- Our A+ (Superior) financial strength rating ensures reliable coverage
- We provide 24/7 customer support for policyholder convenience
- Our coverage requires no medical history for issuance
- We maintain partnerships with 5 million policyholders nationwide
Associations and certifications
- A+ (Superior) by AM Best
- A+ by Better Business Bureau
Services
Accident Insurance
Our Accident Insurance provides cash benefits for unexpected injuries from slips, falls, or sports activities. Coverage includes initial care, treatment, and follow-up expenses while offering portable protection that remains with policyholders between jobs. Benefits help cover deductibles, medical appliances, and lost income during recovery periods.
Cancer Insurance
Cancer Insurance offers lump-sum payments upon diagnosis to address treatment costs and living expenses. This coverage complements existing medical insurance by providing financial support for out-of-pocket medical bills and non-medical costs during recovery periods.
Disability Insurance
Disability Insurance replaces a portion of income when illness or injury prevents work. Policies cover conditions like heart attacks or cancer, providing financial stability for household expenses, loans, and recovery costs while maintaining coverage portability.
Hospital Insurance
Hospital Insurance delivers daily cash benefits during hospital stays for illnesses, accidents, or childbirth. This supplemental coverage helps manage out-of-pocket costs while maintaining compatibility with health savings accounts and offering family coverage options.
Life Insurance
Life Insurance policies provide death benefits to protect dependents from funeral costs and outstanding debts. Coverage amounts remain stable with guaranteed rates, offering financial security for childcare, education, and end-of-life expenses.
Questions
What is supplemental insurance and how does it work?
Supplemental insurance provides cash benefits for specific events like accidents or illnesses, complementing traditional health coverage by addressing out-of-pocket expenses.
What types of insurance does Combined offer?
We provide accident, cancer, critical illness, disability, hospital, and life insurance policies for individuals, plus employee benefits packages for businesses.
Can I get coverage without a medical exam?
Yes, most policies require no medical history for issuance, enabling quick access to financial protection.
Is coverage available for families?
Yes, we offer policies covering spouses, children, and dependents up to age 27 with portable coverage that remains between jobs.
How are claims processed?
Claims undergo streamlined processing with dedicated support through our customer service portals and regional offices.
What financial protections exist for policyholders?
Policies maintain guaranteed rates, non-cancellable terms with premium payments, and A+ rated financial security from AM Best.
Reviews (3)
Leigh Parsons
Apr 26, 2019
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Worst company to deal with take your money and when it comes to paying out wriggle out of paying I injured my knee playing ice hockey had invasive surgery and was told there was no specific reason for the injury so I was not entitled to my claim my advice to you people is save the monthly money in a jar at home don't give it to these scammers I been with this company for many years absolute jokers.
Pippa Williams
Mar 22, 2018
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A lousy, immoral company. Double check every little line in the contract as they will do everything possible in order not to pay out. Apparently if you die in Europe it's somehow worth money but apparently not in Macau. Ironically a financial hub. I hope this company gets every bit of bad publicity it deserves. RIP DH.
Alex K.
Jan 09, 2018
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"No benefit or benefits will be paid under this policy for any bodily injury sustained or loss incurred whilst the insured is outside Europe." - you're a disgusting company!
