To enable us to help you as quickly as possible, please quote your account number at all times when contacting Combined. Click here for our freephone, fax, email and address details.

How do I make a claim?
If you need to make a new claim, please notify us as quickly as possible.  You may download a claim form from this website, or call us on 1300 300 480 (toll free) between 7am – 5 pm (EST) Monday to Friday. Please visit the My Claims page on this website for more information.

I have lost my insurance policy.
To get a duplicate of your insurance policy please Contact Us.

How can I pay for my premium if I have missed my local agent?
Contact Us for more information.

I’ve never received my Product Disclosure Statement (PDS) and Policy Wording document - can I get a replacement?
Yes - please Contact Us and we will send you a copy.
 
I’ve changed my bank details - what do I need to do?
Please visit the My Details page on this website.
 
How do I change my name / address / personal details?
Please visit the My Details page on this website.

How can I have an endorsement removed from my policy?
Contact Us and request an Endorsement Removal Form. If you have been symptom-free from the condition to which the endorsement relates and have not taken any medication for this condition for the duration of the endorsement, complete the form, ask your doctor to sign it and return it to us at the address shown.
 
Can I see the personal details you have on me?
Yes, please Contact Us and we will send you a copy of your application form.
 
Can I increase the cover/benefits of my policy?
Yes, please look at our Products for more information and a free quotation.
 
Are my children covered under this policy?
Eligible children can be covered free of charge under the Family Bodyguard, Critical Illness and Family Cancer policies as long as the policy is in force. Please see your policy for full details.
 
Am I covered on holiday?
Yes, but generally only in Australia, New Zealand, the USA, Canada and European Union countries if you are travelling overseas.  Please see your policy wording for full cover details.
 
I’ve lost my job - can I keep my policy?
Please Contact Us and let us know about your change of circumstances.
 
How do I make a complaint?
Contact us and we will explain our Complaints/Dispute Resolution processes or please refer to this website for details.
 
Can my spouse/partner have a policy?
Yes, please Contact Us for a quote and an application form.
 
How do I cancel my policy?
Please Contact Us by telephone or in writing.
 
I don't fully understand some of the insurance terms in my policy. Can this be explained to me more clearly?
Visit the Insurance Terms page on this website for explanations of some key words and phrases in your policy. Alternatively, you can Contact Us and one of our Customer Services Advisors will be happy to help.