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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 any expenses that major medical insurance will not. Combined Insurance's Accident & Sickness Protector offerings are supplemental accident insurance and sickness insurance that's clearly written, easy to understand and can help pay for those uncovered expenses without breaking your budget.
Our Accident & Sickness Protector Policy provides specified benefits for hospitalization, emergency room care, recovery income, outpatient surgery and more.

Ways Accident and Sickness Insurance Protects You

Five ways Accident & Sickness Protector will take care of you and your family:

  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 AGE PENALTY: No reduction in accident benefits because of age or number of claims incurred.
  5. PERSONALIZED COVERAGE: Individual or "Family Plan" Protection.

What's Covered

What's Covered with supplemental accident /sickness policy:’s Supplemental Accident & Sickness Protector Policies pay benefits where your other policies may not–covered injuries due to an accident and, if selected, benefits for covered sicknesses. Select the level of accident and sickness insurance coverage that's right for you and your budget.

Policy Features

Depending on the type of insurance and level selected, the following are some of the benefits which may be provided:

  • Hospital admission
  • Hospital confinement
  • Intensive Care
  • Emergency Room treatment
  • Outpatient surgery
    • Minor: performed in a clinic, doctor's office or emergency care facility
    • Major: performed in a hospital operating room
  • Recovery after hospital confinement
  • Ambulance/Transportation
  • Blood & blood plasma
  • Family lodging
  • Medical appliances

4 our of 10 people are treated in emergency rooms
The average length of stay at a hospital is 5
                  days at an average charge of $22,300 per stay

Additional accident insurance plan benefits are paid to you for:

  • Fractures
    • Minor: nose, teeth, fingers, or toes
    • Major: any other bone of the body
  • Concussion
  • Accidental death or dismemberment
  • Physical therapy
  • Health screening


Benefits are payable directly to you (or someone you designate), regardless of any other insurance coverage you may have.

Please send an email to: to request a quote for accident insurance:

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