stay well clear of combined go to a decent broker as recommended above.Thanks for your input, folks. I think I'll try a broker. FYI, Combined offer "income protection" type insurance to subsidize your medical insurance. While the medical insurance will pay the hospital bill, Combined policies will pay you a certain income while you are out of work. Haven't been really happy with them, tho.
Welcome to Combined Insurance
Since 1919, Combined has specialised in bringing affordable, quality insurance products to individuals and families - and currently provides supplemental disability, accident, health and life cover to 5 million policyholders.
Combined is the largest consumer insurance underwriting company of Aon Corporation, the world's premier insurance brokerage, consulting services and consumer insurance underwriting organisation.
Combined Insurance Company of Europe Limited is regulated by the Irish Financial Services Regulatory Authority.
Head Office:
Merrion House, Merrion Road, Dublin 4.
Telephone: 01 2696522 Facsimile: 01 2838585.
Customer Service
At Combined, we understand that planning for your family's protection is your top priority so we've made it ours. Our commitment to quality is not simply through our products but also to the service we aim to provide you as our valued customer. We are continually reviewing systems, programmes and procedures that will help us to serve you better for years to come.
We have a dedicated team of Customer Service advisers available to assist you Monday to Friday between 9am and 5pm (except bank holidays). You can contact us by calling 01 2696522
I have been hunting this crowd from my door for the last 17 years I got insurance from them a few times only to cancel it shortly after and they still come the last time they called was a few weeks ago 2 of them one was a lovely sweet talking blonde that wanted to get her foot inside the door I kept them outside in the cold until they finally got the message and left. They never send the same person twice. They will start by telling you how much a month you will get for a cost of only a few cent a day and it can be wrote off against tax which is a new line. I keep telling them that if their insurance is that good then why do they have to call from door to door to sell it? it should sell itself with an advertisement. Common sense will tell you that when you subscribe that you are paying for all their expenses. I know for a fact that they will use every trick in the book when you make a claim such as (you are a day late with your claim) (your policy doesn't cover that) and many more. Take my advice stay away from them.Hello,
My husband is self-employed and is in his late 40's. We took out two policies with Combined Insurance which pays him if he has a long term illness or is in the hospital for a long time. We thought this was a good idea a few years ago but since then the reps come back every six months or so trying to sell us more insurance that we don't think we need and don't want. Sometimes it seems that they are using scare tactics to encourage us to sign up for more insurance.
Has anyone had any good/bad experiences with this company? Any advice or recommendations on other companies?
My biggest pet peeve with them so far is that they told us we could write the insurance off as a business expense so we bought the insurance then our accountant said we could not write it off.
I would love to get something comparable with another company if the price is right.
Sorry - can you explain what this means and why it is good (or bad?)?I seem to remember some years ago that the Annual REport on insurance showed that their claims to premium ratio was ridiculously low, something like 20%.
Claims to premium ratio 20% it's easy to explain eg. they pay out €20 in claims for every €100 they get in premiums which is very good news for them in other words they end up keeping €80 out of every €100 paid to them.Sorry - can you explain what this means and why it is good (or bad?)?
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