Combined Insurance Company Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Combined Insurance Company Score:
4.5 Stars
Combined Insurance Company of America was founded in 1922, giving the carrier just under a century of experience in providing quality coverage. Combined Insurance is considered a leading provider of both individual and supplemental health, accident, disability, and life insurance in the U.S.
Combined Insurance is a company of Chubb, one of the leading commercial lines insurers in the U.S. and the world’s largest publicly traded property and casualty insurance company. The carrier has also been ranked as the top Military Friendly Employer and one of Ward’s Top 50 Performing Life-Health Insurance Companies.
We award Combined Insurance Company a final rating of 4.5 out of 5 stars. This carrier has nearly a century of experience in the insurance industry, which is certainly a draw for customers seeking coverage from a well-established company. An “A+” rating from both AM Best and the BBB is worth noting, too.
Combined Insurance seems committed to their customers in terms of the products they offer and level of service they provide. They do lose some points for not offering 24/7 claims reporting or customer service over the phone, and not listing an exact claims response time frame promise. However, the carrier’s public website is well-designed and provides many important services to customers, such as getting matched with an agent and online claim filing.
It’s not hard to see how Combined Insurance has become one of the country’s leading providers of both individual and supplemental health, accident, disability, and life coverages. The carrier’s been around for quite a while, and they clearly know what they’re doing. So, if you’re looking for solutions that can be satisfied by any of their offerings, don’t hesitate to ask your independent insurance agent about entrusting Combined Insurance with your coverage needs.
Combined Insurance Company Pros and Cons:
Here are some pros and cons of selecting Combined Insurance Company as your carrier.
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To find supplemental health and life insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your coverage needs and get connected to an agent near you.
Combined Insurance Company Products:
Combined Insurance Company is a specialty insurance carrier with a focus on supplemental life and health insurance products for businesses, individuals, and families. Their coverage options include:
Individuals and Families:
- Accident insurance
- Critical illness insurance
- Cancer insurance
- Disability insurance
- Life insurance
- Hospital insurance
Businesses:
- Supplemental employee benefits
If you’re an individual or employer in the market for any of these supplemental life or health insurance products, Combined Insurance may be the right carrier to meet your needs.
What Discounts Does Combined Insurance Company Offer?
Combined Insurance does not make information about its discounts readily available on its public website. An independent insurance agent can help you find exact discounts offered by Combined Insurance, as well as provide you with quotes and help answer any other questions you may have.
Combined Insurance Customer Service
Combined Insurance allows customers to file claims online or over the phone. The carrier also provides the following customer service options:
- Snail mail claims reporting
- Fax claims reporting
- General inquiries contact form on website
- Customer service and claims hotline has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 7:30 am - 6:00 pm |
Combined Insurance sells insurance through a wide network of agents, including independent insurance agents. These agents can help make customer service easier for you by handling claims and other concerns.
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Combined Insurance Company FAQs
Combined Insurance offers online claims reporting for customers 24/7, but their phone option for claims reporting has hour restrictions. The carrier does not provide an official claims response time frame promise. However, they do state that they attempt to pay out approved claims within 5 business days of receiving all necessary documents.
Combined Insurance offers one toll-free phone line for both customer service inquiries and claims reporting. Their customer service department operates during restricted hours, Monday-Friday. However, claims can be reported online or via fax at any time. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, making it more accessible to customers.
Combined Insurance allows customers to file claims via phone, fax, snail mail, or through the website. The public website details the following process for customers to file claims:
“1. Prepare yourself
Decide to start some of this work before the unexpected happens, so you’re ready to file your claim with complete and accurate information. Make sure you have your policy numbers written down and stored somewhere you can access them in a pinch.
2. Know what’s covered
Review your supplemental insurance policy and be sure you know exactly what’s covered. It’s a good idea to look at your major medical policy to gain a more comprehensive picture of your coverage.
3. Browse a claims form
Read through an actual claims form to make sure you understand what information you would need to provide should a payable claim occur.
When the unexpected happens
We all hope you won’t suffer a covered event, but if you do qualify to receive policy benefits you’ll be glad you took steps 1-3. Now you’re ready to file your claim.
4. Fill out the claim forms
Once you have itemized medical bills for hospitalizations, surgeries, etc. that clearly indicate dates of service as well as your name and address, you should be ready to go.
Be prepared to provide the following details for each claim:
- Physician information, including name, address, and phone number
- Dates and locations of treatment
- Description of symptoms
- Diagnostic codes
- A police report (if applicable)
- Description of how, where, and when an accident occurred (if applicable)
- Admission and discharge dates, if hospitalized
- Dates of total and/or partial disability (for disability claims)
You can file online, by phone, by mail, or by fax. Regardless of your chosen method, give your complete name and current mailing address, because that’s where all payments and/or correspondence will be sent.
5. Promptly respond to requests for “Additional Information”
Sometimes additional details are needed to expedite the claim request, so be sure to sign and date the Authorization to Release Information on your claim form. Be sure to have your doctor complete the Attending Physician’s Statement and ask your employer to complete the Employer’s Statement, if you are claiming disability.
6. For your records
After you’ve submitted your claim, keep copies of all the documents related to the incident, including bills, invoices, and completed claim forms. If you mailed them, note the date.
7. Stay in touch
You may have questions about your claim. Combined Insurance makes it easy for you to get real-time updates on your claim at the self-service portal on our website—just type in your claim number. Or, give us a call for an update.”
Combined Insurance’s website is intuitive and easy to navigate, and is among the better websites of modern insurance carriers today. Important information can be located fairly easily, and the website is detailed enough to satisfy customer inquiries.
The official website also provides many of the customer service options that insurance customers have come to expect, such as finding an agent, filing a claim, checking a claim’s status, and more. Overall, Combined Insurance succeeds in providing a user-friendly experience for its customers.
https://www.combinedinsurance.com/us-en/learnmore.html