Accidents and Illnesses are unavoidable But you can help make it a little easier for your family. You select the level of accident and sickness plan that's right for you, your family, and your budget. 

In the dynamic and often hazardous environments of construction, roofing, and manual labour professions, unforeseen accidents and health-related incidents can expose significant challenges to both individuals and businesses alike. The nature of these industries expose workers and entrepreneurs to various risks on a daily basis, making it crucial to consider comprehensive insurance coverage.

Accident insurance and Outpatient insurance emerge as indispensable safeguards, offering financial protection and peace of mind in the face of unexpected events.

For those engaged in these demanding professions, the inherent risks of the workplace accidents and injuries are heightened. The potential for falls, equipment mishaps, or other unforeseen incidents underscore the need for Accident Insurance.

This specialized coverage not only provides financial assistance for medical expenses but also ensures a safety net for income replacement during recovery periods, allowing individuals to focus on their health and well-being without the added burden of financial strain.

#gethurtgetpaid

Daily Hospital Confinement benefit

Daily Intensive Care Benefit

Ambulance Reimbursement Benefit

Recovery Benefit following Hospital Confinement

Benefit following Out Patient Surgery or fracture

Your wellbeing is our priority, and Combined Insurance is committed to providing you with the support and protection you deserve. 

Don't leave your future to chance- Take control with our Accident and Sickness injury insurance policies .

It is very hard to have the conversation around Childhood Diseases because no one wants to think about that happening. However, we can not ignore the hard and sad facts. 

Approximately 1000 children between 0-14 years have a dianoses of cancer a year.  It is the #1 cause of death by disease

+10,000 children, youth, and young adults are in treatment or a 5-year-follow-up right now

95% of survivors will live with chronic health problems.

3,000 Canadians are living with ALS

ALS affects the whole family

Requires expensive equipment and care, averaging $240,000

4,380 cases a year, 75% are women

While most of us think, "it will never happen to me", critical conditions can touch anyone, anywhere, at any time-often without warning. Thanks to modern medicine, more people are surving these events than ever before. 

However, you're likely to loose income during treatment and recovery, and in addition, your family will need help paying out-of-pocket medical expenses, PLUS everyday costs. Having Critical Illness Insurance help you to do just that. 

Our "Living Benefit" Critical Illness Protector pays YOU directly and you decide how and where to use it.

To meet rent/mortgage payments

Put food on the table

keep the lights on 

hire help; 

protecting your bank accounts, your savings, your retirement dollars,or the kids funds like travel, college or weddings etc.

From Statistics Canada 2023

Heart and Troke Foundation

The Kidney Foundation

• 2 in 5 Canadians will be diagnosed with Cancer(239,100 cases this year)
• 70,000 people have heart Attacks per year(1 every 7 minutes)
• +108,000have Strokes a year(1 every 5 minutes)
• 52,000 have Kidney Failure ayear

incl. MS, PD, Alzheimers,Dementia ALS, Severe burns

+8 Childhood Diseases

 and more

Helps replace lost income

Pays even if you're employed

Spend your benefit as you like

 The best way for you to get the right policy is to get a quote from a Combined Insurance agent. 

Explore the details, understand the coverage, and discover how our Disability solutions can be a crucial asset in times of need.

We know our products inside and out — and more importantly, we know people. 

Don’t wait another day. 

 Call now to book your Free no obligation appointment.

Combined Insurance does their due diligence to keep up with market demands! 

Keep up to date on our evolving and expanding policies !

See how we can help you get the coverage you need today !

2 in 5 Canadians are expected to be diagoised with cancer in their lifetime.

Cancer can strike anyone at any age. That’s why everyone needs to plan for the worst while hoping for the best. 

While cancer survival rates have dramatically increased because of modern medical treatment, these treatments are not only emotionally and physically taxing but they are expensive in multiple ways. 

financial loss due to days at treatment days in care facilities, hospital stays, additional not covered exams, treatments, medications, dietary requirements and needs, medical equipment, and recovery time.

 Combined Insurance policies are crafted to offer you and your family a robust shield against against the financial strains that accompany sever health challenges.; it's a responsibility we are honoured to share with you and those you hold dear.

Providing protection and peace of mind.

1.  Benefits are paid Directly to You to use how you wish
2. Protects you 24 hours a day, 7 days a week, 365 days a year
3. Premiums never increase  based on number of Claims 
4. Pays on top of any other medical coverage you might have incl. WCB or EI
5. Coverage in both Canada and the United States