Life Insurance: Understanding 'Paid-Up' Policies

Combined Insurance offers a range of insurance products, including life insurance, accident insurance, and supplemental health insurance. They aim to make insurance easy and accessible for their customers, providing a self-service portal for instant access to policies, payment history, and claim information. Combined Insurance's life insurance policies are designed to provide financial protection and peace of mind, helping individuals and families secure their financial future and protect their loved ones. The company's life insurance products include features such as cash benefits, lump-sum payments, and coverage options to meet diverse needs. With a commitment to customer support, Combined Insurance assists in understanding coverage requirements and navigating the complexities of insurance.

Supplemental insurance for individuals and families

Supplemental insurance is an additional layer of protection that fills in the gaps left by your primary health insurance. It is meant to be added to a health insurance plan to help protect you from paying costs that your medical plan won't cover.

Combined Insurance, an affiliate of Chubb, provides supplemental insurance for individuals and families. They have been in the business for over 100 years and are a leading provider of supplemental health, accident, disability, and life insurance products. Combined Insurance helps you understand your coverage needs and options. They offer a variety of insurance products, including:

• Critical Illness Insurance: Pays a lump sum if you are diagnosed with a covered condition.
• Accident Insurance: Pays cash benefits to help with out-of-pocket expenses due to unexpected injuries.
• Disability Insurance: Provides cash benefits to replace a portion of your income if you are unable to work due to illness or injury.
• Life Insurance: Pays a lump sum to help cover final expenses and maintain a family's lifestyle following the loss of a loved one.
• Hospital Insurance: Pays cash benefits for expenses related to a covered hospital admission or confinement.

Combined Insurance offers seamless support tailored to your needs and a dedicated team to help you navigate coverage gaps, understand your options, and answer your questions. Their goal is to make insurance easy and accessible, whether you are selecting a policy, managing premiums, or filing a claim.

Claims process

Combined Insurance offers a range of insurance products, including disability and life insurance, as well as supplemental accident and health insurance. The process of filing a claim with Combined Insurance is relatively straightforward and can be done online, by phone, mail, or fax. Here is a step-by-step guide to the claims process:

• Review your policy: Before initiating the claims process, it is important to thoroughly review your policy to understand what is covered and what steps need to be taken. Knowing your policy details will help speed up the processing of your claim.
• Gather necessary information: To file a claim, you will need to provide specific information, such as the policyholder's name and birthdate, as well as copies of all claim-related documents. These documents may include an attending physician's statement, invoices, and other relevant information.
• Choose your filing method: Combined Insurance offers multiple ways to file a claim. You can file online through their self-service portal, which is fast, secure, and convenient. Alternatively, you can download and print the appropriate claim form from their website or request it by calling, writing, or faxing them. The completed form, along with any supporting documents, can then be mailed or faxed to the provided address or fax number.
• Fill out the claim form: Ensure that you complete the claim form accurately and provide all the required information. This includes itemized medical bills for hospitalizations, surgeries, and other treatments, clearly indicating dates of service, your name, and address. For each claim, be prepared to provide physician information, dates and locations of treatment, a description of symptoms, and any relevant reports, such as a police report or employer's statement for disability claims.
• Submit the claim: Submit your completed claim form and supporting documentation to Combined Insurance through your preferred method. If filing online, follow the instructions on their website. If filing by mail or fax, send the completed form and documents to the appropriate address or fax number.
• Respond to additional information requests: In some cases, Combined Insurance may request additional details to process your claim. Ensure that you have signed and dated the Authorization to Release Information on your claim form. Provide any requested information promptly to expedite the claim process.
• Track your claim status: After submitting your claim, you can track its status by logging into your account on the Combined Insurance website or by calling their customer service representatives during business hours.
• Retain copies of documents: It is important to keep copies of all documents related to your claim, including bills, invoices, and completed claim forms. If you mailed or faxed your claim, make a note of the date for your records.

By following these steps, you can effectively navigate the claims process with Combined Insurance and ensure a smooth and efficient experience.

Payment methods

Combined Insurance offers a range of payment methods for customers to pay their premiums. The easiest way to pay is by signing up for pre-authorized deductions from your checking account. This ensures that your coverage is in force, and you don't have to worry about writing checks or paying for postage. You can also pay with a Visa or MasterCard credit card, by one-time check, or by mail. Additionally, you have the convenience of making a single payment for multiple policies.

If you choose to pay by credit card, you can contact the Combined Insurance customer service team at 1-800-225-4500 during their business hours, which are 7:30 a.m. to 6:00 p.m. CST, Monday through Friday. For New York residents who are Combined Life Insurance Company of New York policyholders, the dedicated number is 1-800-951-6206, and the business hours are 8:30 a.m. to 6:00 p.m. EST, Monday through Friday.

For those who prefer to pay by one-time check, you can get assistance by calling the same customer service number during the specified business hours. This option provides flexibility and allows you to make payments without enrolling in automatic deductions.

Combined Insurance also offers a self-service portal that enables you to make one-time payments online. This portal gives you instant access to your policies, payment history, and claim information, making it a convenient way to manage your insurance affairs.

Accident insurance

Payouts from accident insurance policies vary depending on the severity of the injuries. Some policies include specific language about the amounts that will be paid out in the event of losing particular extremities. The payout is designed to cover medical care, pain and suffering, and, in the event of permanent disability, provide funds for the accident victim to live on. In the event of death, the benefits are paid out to the beneficiary listed on the policy.

When shopping for accident insurance, it is important to ask about premiums and the types of accidents and events that are covered. It is also crucial to research the company's reputation, as some companies cover more than others, and some may delay payments until they are satisfied that the policyholder meets the terms for a payout.

Combined Insurance is one such company that offers supplemental accident insurance to help individuals and families fill in the gaps in their health insurance coverage. They provide assistance in understanding coverage needs and options, finding the best coverage for specific conditions or treatments, and answering any questions their customers may have. Combined Insurance is committed to keeping the best interests of their customers at the center of all they do.

Health insurance

Combined Insurance offers supplemental health insurance to fill in the gaps in your major medical coverage. This includes supplemental accident and health insurance, which helps pay for things associated with major injury or illness. The benefits are paid directly to the policyholder, and can be used to pay for out-of-pocket medical costs, supplement lost wages, or pay for other unexpected expenses. Accident Insurance, for example, can be used to pay for the unexpected costs of an accidental injury, including those from organized sports, by providing benefits for initial care, injuries, treatment, facility care, and follow-up care. Accident Insurance can also help cover the costs of hospitalization and treatment, as well as other out-of-pocket expenses.

Supplemental health insurance from Combined Insurance also includes critical illness insurance, which pays a lump sum if the policyholder is diagnosed with a covered condition, and cancer care insurance, which delivers cash benefits to help cover the costs of cancer treatment. Combined Insurance's critical care insurance pays up to $50,000 if the policyholder has a heart attack, stroke, or is diagnosed with cancer or another covered critical illness.

In addition to these, Combined Insurance also offers disability insurance, which provides cash benefits to replace a portion of the policyholder's income if they are unable to work due to illness or injury.

Frequently asked questions