Accidents and Sicknesses
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Get additional support
with Accidents and Sicknesses Insurance

Insurance for accidents and/or sicknesses 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.

4.6M

injuries leading to emergency department visits each year in Canada 1

> 18,000

work-related, medically-consulted injuries occur in Canada in a year 2

$29.4B

total cost of injuries in Canada in a year. 3

What is Accident Insurance and what does it cover?

Accident Insurance can be used to help cover costs related to unexpected covered accidents.

Accidental Death

Lump sum benefits are paid if you suffer from an accidental death or are seriously injured in an accident:

Accidental death by a common carrier

Accidental death for any other cause

Single dismemberment

Multiple dismemberments

Hospitalization

Protect your family from the impact of an accident and/or sickness with cash benefits that you can use to help cover expenses including:

Daily hospital confinement

Daily intensive care

Ambulance reimbursement

After hospital stay

Outpatient surgery

Outpatient

Receive benefits if you or your family receive outpatient medical treatment due to an accident and/or sickness, even if never admitted to the hospital, in three important ways:

Outpatient surgery

Rehabilitative therapy

Medical appliance therapy

Not sure what coverage you need?
Agents are available to help answer your questions and walk 
you through your Accident Insurance options so you’re making 
the most informed choice.

Here’s how Isabella used Accident Insurance

to help her family

Isabella’S STORY

Isabella was always on the go juggling work commitments, raising her young kids and enjoying outside activities like hiking and biking with her husband. When an accident left Isabella unable to work for several weeks, she was thankful she had Accident Insurance from Combined. Her coverage helped offset the cost of hospitalization, treatment and other out-of-pocket expenses while she was out of work, and allowed Isabella and her husband to worry less about how they would afford her care.*

When it comes to protecting you and your family 

from the cost of accidents, we’re here to help

Costly accidents and sicknesses can happen to anyone, at any time. Insurance due to an accident or sickness provides cash benefits you and your family can use to help cover medical and non-medical expenses.

  • Pays benefits directly to you.
  • Protects you 24 hours a day, 7 days a week, 365 days a year.
  • Guaranteed renewable until age 85.

Portable
coverage that
stays with you
even if you leave
your present job
Rate will never
change and your
benefits will never
decrease due to
your age
Coverage cannot
be cancelled

as long as your
premiums are 

paid as due
No medical history is required for coverage to be issued
Coverage also available for spouse, children, and dependents under the age of 26
Owning this coverage does 
not disqualify 
you from having 
a Health Savings Account

Where confidence 

meets coverage

Combined Insurance has been a leader for over 100 years

An affiliate of Chubb, we provide individuals, families and businesses the supplemental
benefits that they can use to help fill in coverage gaps and take their insurance protection further.
With Combined you get unparalleled claims submission, seamless support tailored to your
needs and a team that’s by your side along the way.

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    Sources: 1  2  3 Canada Public Health