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What is supplemental accident and health insurance? If I purchase a supplemental accident and health insurance policy, do I still need major medical insurance? What kinds of insurance products does Combined Insurance offer?
Supplemental insurance policies are separate from your major medical insurance and help you pay for things associated with major injury or illness. The benefits are paid directly to you (or whomever you choose), not the medical provider, so you're able to use the benefits to pay for out-of-pocket medical costs, supplement lost wages or pay for some of the other unexpected expenses when a covered loss occurs.
Yes. Your major medical insurance coverage is important. Our affordable supplemental insurance products such as cancer, disability and accidental injury policies provide you with money to pay for some of the expenses not covered by major medical insurance.
We offer a number of policies, including disability and life insurance, as well as supplemental accident and health insurance. We work to craft insurance that is easy to understand so you can make the right decisions about your coverage and find the best supplemental insurance policy to meet your needs.
How can I pay for the premiums on my policy? Which credit cards do you accept? How do I pay using one-time check payment? What is the pre-authorized payment method? When will the payment I make be applied to my policy? If I pay by phone, will my bill still be sent in the mail? Will I be sent a receipt? Whom can I contact with additional questions about billing payment options?
You're able to pay for your Combined Insurance supplemental insurance policy in several convenient ways. The easiest way to pay your premium is to sign up for our convenient pre-authorized deductions from your checking account. You can also pay with a credit card, by one-time check or by mail. And, for your convenience, you can choose to make one payment for multiple policies.
We accept Visa and MasterCard. (Some restrictions may apply.)
Please contact us at 1-800-225-4500 and one of our customer service specialists will assist you in processing your credit card payment. Our business hours are 7:30 a.m. - 6:00 p.m. CST, Monday through Friday.
If you reside in New York and are a Combined Life Insurance Company of New York policyholder, call 1-800-951-6206. Our business hours are 8:30 a.m. - 6:00 p.m. EST, Monday through Friday.
You can contact us at 1-800-225-4500 and one of our customer service specialists will assist you. Our business hours are 7:30 a.m. - 6:00 p.m. CST, Monday through Friday.
Our pre-authorized payment plan is the easiest way for you to pay your premiums and ensure that your coverage is in force. You won't have to write checks or pay for postage and you'll have greater peace of mind. For more information contact us by phone, in writing or online.
It generally takes three to five business days for a payment to be reflected on your policy.
You may occasionally receive a premium notice after you make a payment, in these cases you can simply disregard the notice.
Your cashed check or credit card statement showing payment serves as your receipt. You also may contact our office at 1-800-225-4500 and one of our customer service specialists will assist you. Our business hours are 7:30 a.m. - 6:00 p.m. CST, Monday through Friday.
For more information contact us by phone, in writing or online.
You can contact our office at 1-800-225-4500 and one of our customer service specialists will assist you. Our business hours are 7:30 a.m. - 6:00 p.m. CST, Monday through Friday.
How do I get help filing an online claim or online notice of death? How long from the date of the service do I have to file a claim? Who should complete the claim form? How do I get a claim form? Where do I send the claim form to be processed? Can I fax my claim to you? I have questions about my claim, or would like to check the status of my claim. Whom do I call?
Call 1-800-225-4500 between the hours of 7:30 AM - 6:00 PM CST.
New York residents call 1-800-951-6206.
Canada residents call 1-888-234-4466.
In order to take care of your claim as soon as possible, we ask that you give us written notice of a claim within 30 days after a covered loss starts, or as soon as is reasonably possible.
We provide you with instructions on who should complete the form and how to file it.
You can download a claim form and instructions on how to file a claim from our web site. Or you can call, write or fax us to request the appropriate form.
Mail your completed claim form to:
Claim Department P.O. Box 6700 Scranton, PA 18505-0700
If you reside in New York, and you are a Combined Life Insurance Company of New York policyholder, you also should mail the claim form to the Chicago office (address above).
You may fax your completed claim form to 312-351-6930.
How do I add a dependent to the policy? How do I reinstate my policies? How do I change my bank account information? What information do I put on the beneficiary change form? How can I change the way I pay my premium? How do I increase benefits on my life policy? How do I change the ownership of my life policy? How do I obtain a duplicate copy of my policy? Is there a way I can manage my accounts online? Who do I contact if I am a California resident who needs an interpreter/translator to help talk with my doctor or insurance company?
You can send your written request to:
Policyholder Services P.O. Box 6703 Scranton, PA 18505-0703
Specific reinstatement procedures vary with each type of policy we offer. Please consult your policy for its specific reinstatement clause. You may also send a written reinstatement request to:
Policyholder Services P.O. Box 6703 Scranton, PA 18505-0703
If your written request has been processed and your reinstatement application has been accepted, we will send you a letter indicating your reinstatement date. Once your reinstatement has been processed, we will send you a letter indicating the amount of premium that is to be submitted.
Or you can download and print the Change your bank information form.
To determine your routing number, refer to your personal check. The routing number is always nine digits long and it is enclosed by colons. Your check number is not required. The location of the routing number and account number on your personal check varies depending on your bank.
Mail the completed form to: Combined Insurance
APC Services P.O. Box 6704 Scranton, PA 18505-0704
Download and print the change your beneficiary form. Complete the form and note that you need to indicate the policy number and the name(s) of the new beneficiaries. Mail the completed form to:
Combined Insurance Policyholder Services P.O. Box 6703 Scranton, PA 18505-0703
We offer several payment methods, including check-by-phone, pre-authorized checking account withdrawals, credit card, and standard mail billing. You can request a change by contacting us by phone, in writing or on-line.
You can request a change or increase in benefits by phone, in writing or on-line. We consider each request on a case-by-case basis.
Download and print the change ownership form. Complete the form and be sure to include the policy number and the name(s) of the new owner(s). Mail the completed form to:
You can obtain a copy of your policy by phone, in writing or on-line.
Our self service portal provides instant access to your policies, payment history and claim information. You can also use the portal to update your personal information and make one time payments. Register and access the portal.Opens in new window
Review this documentPDF file opens in a new window to find out how to locate an interpreter.
Why do I get privacy notices? Where can I get more information on your privacy practices? How do I obtain a Privacy or HIPAA brochure?
We value your privacy, just as you do. Our privacy notices let you know our policies regarding privacy and how we utilize the information we maintain on our customers.
View our Privacy statement.
Whom do I contact if I'm having trouble using your web site? Why can't I view forms on this site? What is Adobe Acrobat Reader and do I need it?
Many of the forms on our web site require you to use Adobe Acrobat Reader to view them. Most newer computers already have this program installed. If yours doesn't, you can download Adobe Acrobat Reader for free from Adobe's web site Opens in new window.
Adobe Acrobat Reader is a free plug-in for your browser that allows you to open and read certain document files types known as PDF (portable document format).
Combined Insurance uses PDF files for our downloadable forms. If you need Adobe Acrobat Reader, follow the directions on Adobe's web site.Opens in new window
What are your business hours if I need to contact you by phone? What address do I send written inquiries to?
To speak to a customer service representative please call 1-800-225-4500. Our business hours are 7:30 a.m. - 6:00 p.m. CST, Monday through Friday.
You can send your written correspondence to:
Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
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