Customer Scenarios

Combined Insurance … making accident and sickness insurance easy … helping you make sure your family is protected when you need it most.
But don’t just take our word for it …click to see if you identify with one or more of these customer scenario’s …           

Example 1 Solo mother of two

Jamie became extremely sick and missed work for more than three months, putting her family in a very difficult financial situation.
Luckily she had sickness insurance otherwise, due to the financial hardship, her family would have been on the verge of being homeless due to her illness. Combined Insurance was there for her and her family the whole way with prompt handling of her claim and the arrival of her benefit cheques which she put towards her family’s living expenses.  Her Combined Insurance sickness cover made a really horrible time a whole lot easier for her and her family.

Example 2 married mother of two

Nancy’s self-employed husband was seriously injured twice in two years, putting him out of work for extended periods of time and putting the family in a difficult financial situation while he was unable to work.
The accident insurance policy she had purchased from Combined Insurance for her husband helped them twice in two years. In 2007, her husband broke three ribs and was off work for almost two weeks and in 2008 he missed two weeks of work when he sustained another personal injury (a broken collarbone). Each time their accident policy provided their family with lump sum benefits and the claims were paid on time. The money really helped them when they needed it most.

Example 3 Family of 3: father, mother and daughter

His daughter was diagnosed with leukemia several years ago. His family was covered under Combined Insurance's cancer policy, but in the midst of helping their daughter through her battle with leukemia, he and his wife had forgotten that they carried cancer insurance coverage. Thanks to the team at Combined Insurance, they were able to claim on their policy even though some time had passed since their daughter was diagnosed.
During their 6 monthly personal Agent call, their Combined Insurance Agent reviewed their coverage and pointed out to them, that the family cancer insurance coverage they carried was in effect at the time their daughter was diagnosed with leukemia. The Agent helped them get the ball rolling to file their claims. The agent’s suggestion on how best to process the claims brought great peace of mind to Jack and his family and the Combined Insurance Customer Service team showed their willingness to work with the family in securing the required documentation.  The claims were approved and the family put the money received towards paying for the transport and accommodation costs they incurred during their daughters treatment, as well as a family holiday to celebrate her recovery.

Example 4 An individual

Raylene has an accident and sickness insurance policy with Combined Insurance. Recently, she filed a claim, after having surgery, and had some questions regarding the claim. She contacted Combined Insurance for some assistance with her claim paperwork and received helpful answers to her questions.
She was connected with a very helpful Combined Insurance customer service advisor. He explained in clear detail what needed to be done to complete her claim, not only from her point of view, but also from Combined Insurance’s. The customer service advisor acted with professionalism, kindness and respect for her situation. She had her first claim cheque in about one week.

Example 5 A family

A Combined Insurance agent came to her home to review her family’s coverage with the company.
The Combined Insurance agent was patient and considerate while discussing their insurance coverage. She inquired about any life changes that the family had experienced since her last visit to ensure their coverage met with their current family situation. During that conversation, she highlighted additional insurance policy options for the family to consider based on their needs.

Example 6 A woman representing the interests of various members of her family

Carolyn needed to make sure papers validating her appointment as a conservator on some insurance policies were properly filed with Combined Insurance. In addition, she had to change a mailing address on a family member's policy and make sure that proper name changes were completed on three policies, due to marriage.
Combined Insurance's customer service advisor helped her get the address change completed. They also discussed the name changes that needed to be made on three of the insurance policies. The advisor explained to her that the name changes would take effect upon receipt of written requests of the owners of each insurance policy. The advisor was very courteous in helping Carolyn get her various items taken care of in a swift and efficient manner.

Example 7 A husband and wife

They had some general questions regarding the accident and sickness insurance policies they carried with Combined Insurance. They also needed copies of the insurance policies for their records.
A Combined Insurance customer service advisor quickly responded to a letter they wrote to the company that included their questions regarding their insurance policies. They certainly appreciated the interest the customer service team took in their needs. The advisor mailed copies of both insurance policies to them and suggested that they keep them in a safe place, which they did. Both Walter and Gwen were impressed with the polite and courteous manner in which they were treated; they found it was nice to find someone in the business world who still had good manners.