Individuals & families
Combined’s range of protection products is perfectly suited for individuals who want to bridge the gap between State Benefits and private medical insurance. All products dovetail to give complete breadth of cover from accident and sickness. All benefits are payable in addition to those provided by most other plans and the state and all benefits are usually tax free.*
Families can particularly benefit from the full range of Combined protection products as family members including spouses and children can also be covered. Combined’s Critical Five Plan adds cover for children at no additional cost and will pay up to 50% of the adult benefit.
Pays weekly benefits of up to £980 a week if hospitalised due to an accident, lump sum benefits of up to £1,000 for fractures and up to £20,000 for loss of life.
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Pays monthly benefits of up to £600 a month if you are unable to work due to an accident and lump sum benefits of up to £30,000 for loss of limbs, speech, hearing or sight.
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Pays monthly benefits for total incapacity of up to £900 a month and a benefit of up to £450 for partial incapacity. Leading advice and referral service Best Doctors is also included.
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Pays daily benefits of up to £200 a night for hospitalisation
due to sickness, benefits of up to £100 a night for convalescence
as well as double benefits for critical illness. Leading advice and referral
service Best Doctors is also included.
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Pays a lump sum benefit of up to £45,000 on surviving diagnosis or surgery for a critical illness and double benefits of up to £90,000 for cancer. Children can be added to the plan at no additional cost and leading advice and referral service Best Doctors is also included.
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Pays a cancer screening benefit of up to £75 every 3 years; up to £30,000 upon the diagnosis of cancer; up to £15,000 towards the cost of approved cancer drugs; up to £100 per hospital visit for the policyholder and their partner. Plus leading advice and referral services Red Arc and Best Doctors are included.
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* Present UK law and Inland Revenue practice means that you do not get tax relief on your premiums. Benefits are free of UK income tax and capital gains tax. However if Combined Insurance pay a benefit after your death, inheritance tax may be due on the benefit paid. You may be able to avoid inheritance tax by using an appropriate trust. A solicitor can give you more detail. Present UK tax law may change in the future.
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