Why do you need Accident Insurance?
- Lost income due to time off from work.
- Medical plans that leave gaps which can result in uncovered expenses.
- Health Insurance Plans that have deductibles to meet.
- Non-medical costs such as transportation expenses, domestic help, lodging and meals while you are hospitalized or recovering.
Insurance facts:
- Each year in Canada, approximately 2,000,000 unintentional injuries occur.1
- Over 125,000 persons (or 343 per day) are hospitalized as a result of these injuries. 2
- Based on our companies’ actual experience, the average length of disability requiring hospitalization (counting the hospital stay and subsequent recovery) is 85 days for accident.3
Products offered by Combined to offset expenses associated with injuries include:
Accident Hospitalization Plan – Is offered to individuals 6 months old to Age 69.
Pays benefits:
- If confined in a hospital overnight as an inpatient.
- If intensive care is required.
- For recovery income following confinement in a hospital overnight as an inpatient.
- For outpatient surgery recovery or fracture if not hospitalized.
Disability Accident Plan – Is offered to individuals ages 16 to 69.
Pays benefits for:
- Total and partial disability.
- Optional return of premium benefit.
- The longer you keep your policy in force, the more valuable it becomes.
Accident Outpatient Policy – Is offered to individuals 6 months old to Age 69.
Pays benefits for:
- Major or minor outpatient surgery.
- Accidental death.
- Accidental dismemberment.
- Ambulance service.
- Physical therapy by a licensed physical therapist according to a plan prescribed by your physician.
Refer to the policy for exclusions and limitations
1 Health Canada – The Economic Burden of Unintentional Injuries in Canada, 1998.
2 Health Canada – The Economic Burden of Unintentional Injuries in Canada, 1998.
3 Combined Insurance Company of America – Claim Statistics from actual claims experience.
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