Below you will find a sample of some of the most Frequently Asked Questions, organized by topic. If you do not find an answer to your question, feel free to contact us.
Contacting Combined
What are your business hours if I need to contact you by phone?
To speak to a Customer Service Representative please call 1-888-234-4466 between 8 a.m. – 7 p.m. EST, Monday through Friday.
What address do I send written inquiries to?
You can send your written correspondence to:
Combined Insurance Company of America
P.O Box 3720, MIP
Markham, Ontario L3R 0X5
Attention: Customer Service
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General Questions
What is supplemental health insurance?
Supplemental insurance benefits are paid directly to you, unless otherwise required. As a policyholder, you can use these benefits to help with your out-of-pocket expenses or to help supplement your lost income.
If I purchase a supplemental insurance policy, do I still require major medical insurance?
Yes. Supplemental insurance products do not replace major medical insurance. Instead, these policies help to cover expenses that are not covered by government benefit programs.
What kinds of products does Combined offer?
Supplemental Accident insurance
Supplemental Health insurance
Supplemental Life insurance
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Billing Questions
How can I pay for my premiums on my policy?
For your convenience, we have several payment options. They include mail, pre-authorized chequing and credit cards.
Which credit cards do you accept?
We accept Visa and MasterCard.
Can I make one payment on multiple policies?
Yes, you can pay for multiple policies.
What is the Pre-Authorized payment method?
This is a convenient way to pay your premiums, which are automatically deducted from your bank account. You won’t have to write any more cheques or pay for postage. For more information please contact us by phone, writing or online.
When will the payment I made be applied to my policy?
It generally takes 7-10 business days for a payment to be reflected on your policy.
If I pay by phone, will my bill still be sent in the mail?
You may occasionally receive a premium notice after you make a payment. In these cases you can simply disregard the notice.
Will I be sent a receipt?
Your cashed cheque or credit card statement showing payment serves as your receipt. You also may contact our office at 1-888-234-4466 and one of our Customer Service Representatives will assist you. Our business hours are 8 a.m. – 7 p.m. EST, Monday through Friday. For more information contact us by phone, writing or online.
Who can I contact with additional questions about billing payment options?
You can contact our office at 1-888-234-4466 and one of our Customer Service Representatives will assist you. Our business hours are 8 a.m. – 7 p.m. EST, Monday through Friday. For more information contact us by phone, writing or online.
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Claims Processing
How long from the date of the service do I have to file a claim?
Most of our policies require that the insured must give Combined written notice of a claim within 30 days after a covered loss starts or as soon as reasonably possible.
Who should complete the claim form?
The instructions will provide you with the information on who should complete the claim form and on how to file a claim form.
How do I get a claim form?
You can download a claim form and instructions on how to file a claim. Or you can call, write or fax us requesting the appropriate form.
Where do I send the claim form to be processed?
You mail your claim form to:
Combined Insurance Company of America
P.O Box 3720, MIP
Markham, Ontario L3R 0X5
Attention: Claim Department
Can I fax my claim to you?
Yes, in order to process your claim however, you are still required to mail the original to us. Fax your completed claim to 905-305-8600.
How do I check the status of my claim?
You can contact our office at 1-888-234-4466 and one of our Customer Service Representatives will assist you. Our business hours are 8 a.m. – 7 p.m. EST, Monday through Friday.
If I have a question about my claim whom do I contact?
You can contact our office at 1-888-234-4466 and one of our Customer Service Representatives will assist you. Our business hours are 8 a.m. – 7 p.m. EST, Monday through Friday.
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Policyholder Questions
How do I add a dependent to the policy?
You can send your written request to:
Combined Insurance Company of America
P.O Box 3720, MIP
Markham, Ontario L3R 0X5
Attention: Customer Service
How do I reinstate my policies?
Reinstatement is based on the type of policy you have and is at Combined's discretion. There is a reinstatement clause in your policy. For more information please contact us by phone, writing or online.
How do I change my bank account information?
Call our toll-free number for assistance or download and print the Change your bank information form. Complete the form and mail it to:
Combined Insurance Company of America
P.O Box 3720, MIP
Markham, Ontario L3R 0X5
Attention: PAC Department
What information do I put on the beneficiary change form?
Download and print the Change your beneficiary form. Complete the form by indicating the policy number, form number, who the new beneficiaries should be and the relationship. Mail the completed form to:
Combined Insurance Company of America
P.O Box 3720, MIP
Markham, Ontario L3R 0X5
Attention: Customer Service
How can I change the way I pay my premium?
We offer several payment methods, including pre-authorized chequing, credit card, and mail billing. You can request a change by contacting us via writing, calling, faxing or e-mailing our office.
How do I increase benefits on my life policy?
You can request an increase in benefits by writing, calling, faxing or e-mailing our office. Any change or increase in benefits is only at the discretion of Combined.
How do I change the ownership of my life policy?
Download and print the Change ownership. Complete the form making sure to include the policy number and who the new owner will be. Complete address and both signatures required. Mail the form to
Combined Insurance Company of America
P.O Box 3720, MIP
Markham, Ontario L3R 0X5
Attention: Customer Service
How do I obtain a duplicate copy of my policy?
You can obtain a copy of your policy by writing, calling, or e-mailing us.
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Privacy Questions
Why do I get privacy notices?
It addresses our company policies regarding privacy and how we utilize the information we maintain on our customers as required by law.
What does our company do with privacy / security?
View our Privacy Pledge .
How do I obtain a Privacy brochure?
You can request this information by writing, calling, faxing or e-mailing our office, or you can access our Privacy Pledge online.
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Technical Questions
Why can’t I view forms on this site?
To view forms on this website requires that you have Adobe Reader installed on your computer. You can download Adobe Reader for free from Adobe’s website.
What is Adobe Acrobat Reader and do I need it?
Adobe Acrobat Reader is a free plug-in for your browser that allows you to open and read certain document file types known as PDF (portable document format).
Combined uses PDF files for our downloadable forms. If you need Adobe Acrobat Reader, click here and follow the directions on Adobe’s website.
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