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Combined Insurance Encourages Consideration of Illness and Critical Care Supplemental Insurance in American Heart Month



  Combined Insurance Encourages Consideration of Illness and Critical Care
  Supplemental Insurance in American Heart Month

Business Wire

GLENVIEW, Ill. -- February 12, 2014

According to the Centers for Disease Control, heart disease is the leading
cause of death for both men and woman and accounts for approximately one out
of every four deaths in the United States. So when heart disease strikes, it
can sometimes be devastating for those who suffer from it and their families.
That’s why Combined Insurance says that February, American Heart Month, is an
ideal time for people to assess their insurance needs and consider the value
and protection provided by supplemental illness, critical care and disability
insurance.

“Many people, even those with good primary health insurance plans, lack the
additional level of protection they need when a major illness such as heart
disease or a heart attack strikes,” says Jim Coleman, senior vice president
and chief marketing officer for Combined Insurance. “That’s why we encourage
people to take some time during February to look at their existing insurance
coverage and assess where protection gaps might exist.”

Coleman adds that in addition to the emotional toll, unexpected illnesses and
long-term recoveries can often create financial burdens for patients and their
families. In fact, it’s not unusual for families in these circumstances to
significantly deplete their emergency funds and savings accounts. Supplemental
health insurance can help fill financial gaps and provide peace of mind by
providing benefits that can be used to help cover some of the unexpected costs
related to treating and recovering from a major illness or medical event, such
as a heart attack.

How Supplemental Insurance Can Help

Combined Insurance, a leading provider of individual supplemental accident,
disability, health and life insurance products, and an ACE Group company,
offers a variety of flexible supplemental health insurance policies. Some
provide specified daily cash benefits in the event of hospital stays and even
outpatient care. Because the cash benefit is paid directly to the insured, it
can be used to help with co-pays and other out-of-pocket medical expenses,
associated transportation costs, or even routine household expenses.

Other Combined Insurance plans, such as Critical Care Protector, provide a
defined lump sum benefit upon the diagnosis of one of specified major
illnesses. These policies cover a range of serious illnesses and conditions
for those that qualify. The company also offers disability insurance, which
provides a monthly cash benefit for policyholders that become disabled and are
unable to work.

For more information on Combined Insurance individual supplemental health,
critical care and disability plans and to complete or download a copy of our
comprehensive needs assessment form, please visit www.combinedinsurance.com.

About Combined Insurance

Combined Insurance is a leading provider of individual supplemental accident,
disability, health and life insurance products and an ACE Group company. With
a field sales force and corporate staff in excess of 5,000 people worldwide,
Combined Insurance meets the growing coverage needs of policyholders around
the globe. For more information, call 1-800-490-1322 or visit
www.combinedinsurance.com.

About ACE

ACE Group is one of the world’s largest multiline property and casualty
insurers. With operations in 54 countries, ACE provides commercial and
personal property and casualty insurance, personal accident and supplemental
health insurance, reinsurance and life insurance to a diverse group of
clients. ACE Limited, the parent company of ACE Group, is listed on the New
York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index.
Additional information can be found at: www.acegroup.com.

Contact:

Combined Insurance
Leslie Beyer, 847-953-8266
Leslie.beyer@combined.com
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