About Supplemental Insurance in the U.S. - Chubb
 Supplemental Insurance

About Supplemental Insurance

What is supplemental insurance?

At first, the idea of supplemental insurance may sound redundant: If you already have insurance, why would you consider more?

The answer, quite simply, is that primary insurance such as your health insurance covers only a portion of the total costs you may need help with in the event of sickness or injury.

It’s great that you have insurance – but what about the non-covered costs? What about replacing lost income, paying rent, buying food – even just covering the expense of transporting loved ones to visit you at a recovery facility? Not to mention the cost of continuing to pay your major medical insurance premiums so your benefits don’t lapse.

That’s why Combined Insurance offers supplemental disability insurance, accident insurance, sickness insurance and life insurance. Our policies are easy to understand, so you can make the right decisions about your coverage.

How this benefits you

Helps Bring You Peace of Mind

  • Benefits paid directly to you: Combined Insurance policy benefits can be used however you wish, including helping you pay your household living expenses, as well as deductibles and co-pays.
  • Rapid payments, paid directly to you: Combined Insurance strives to process claims fast, because we know you need money now. And we pay you directly – many claims are paid within 5 days – so you can use the money right away, whatever you need it for.
  • Backed by a company with nearly a century of success: Companies may come and go, but at Combined Insurance we’re approaching our hundredth birthday strong and healthy.

Life, accident and sickness, and disability insurance policies are issued by Combined Insurance Company of America (Chicago, IL) in all states, except New York. In New York, life, accident and sickness, and disability insurance policies are 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.

 

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