Accident and Sickness Insurance

Supplemental accident and sickness insurance helps by giving you specified benefits for hospitalization, emergency room care, recovery income, outpatient surgery and more. Combined Insurance's Accident and Sickness Protector offerings help you fill in the gaps in your major medical insurance coverage.

Additional accident 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

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


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

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