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Protect What Matters Most

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Care

Receive essential support for hospital stays and recovery during critical times.

Assurance

Protect your paycheck and income when you're unable to work due to illness or injury.

Support

Keep your finances strong and your life on track when illness or injury strikes

Insurance Solutions
Why Choose Us?
A Legacy of Trust and Protection

Rated A+ by A.M. Best, we have earned a reputation for excellence over nine decades of service. Our company has millions of policyholders worldwide, and we are proud to provide trusted coverage to countless families and individuals across Ontario, Canada.

With our dedication to protecting what matters most, we offer customized insurance solutions to safeguard your future. Join the millions who trust us to provide the coverage you need when it matters most.

We Provide
What Others Can't.

Protection

Care

Confidence

Reliability

Our Insurance Solutions
Coverage Plans That Protect You and Your Family

Accident & Sickness Hospitalization

Get daily benefits up to $400 for hospital stays and up to $1,600/day for ICU. Additional recovery benefits and outpatient surgery coverage up to $4,000 per incident.

Outpatient Essentials

Receive up to $1,000 per outpatient surgery (up to 4 per year), along with rehabilitative therapy and medical appliance reimbursement to assist your recovery.

Accidental Death Essentials

Accidental death benefits: up to $400,000 for common carrier accidents, $200,000 for all other causes. Additional dismemberment coverage up to $200,000.

Accident & Sickness Disability

Receive up to $3,000/month for total disability. Partial disability benefits offer up to $3,000/month. Return-to-work assistance provides up to $1,500/month.

Cancer Care Protector Plus

Choose between the Gold Plan ($100/day) or Platinum Plan ($200/day) to cover your hospital stays during cancer treatment, tailored to your needs.

Critical Illness

Receive a lump-sum payout ranging from $10,000 to $100,000 for critical illnesses like cancer, stroke, and heart attack, helping you focus on recovery.

Unsure about which plan to choose or what they cover? Schedule a consultation, and I'll be happy to guide you!

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See How Disability Insurance Saved a Family—Twice
Frequently Asked Questions
What does the Accident & Sickness Hospitalization plan cover?

The Accident & Sickness Hospitalization plan covers daily benefits for hospital stays (up to $400/day), ICU stays (up to $1,600/day), outpatient surgery (up to $4,000), and ambulance services (up to $800).

How long does the recovery benefit last in the Accident & Sickness Hospitalization plan?

The recovery benefit lasts for the number of days you were hospitalized (up to 3 times the number of days hospitalized, for a maximum of $400/day) if fully disabled after hospitalization.

What is included in the Outpatient Essentials Accident & Sickness coverage?

The Outpatient Essentials plan covers up to $1,000 per outpatient surgery (up to 4 surgeries per year), rehabilitative therapy, and medical appliance reimbursement.

What types of accidents are covered under the Accidental Death Essentials plan?

The Accidental Death Essentials plan covers accidental death by common carrier (up to $400,000) and all other causes of accidental death (up to $200,000), along with dismemberment benefits.

What does the Accident & Sickness Disability policy cover?

The Accident & Sickness Disability policy provides up to $3,000/month for total disability. Partial disability benefits offer up to $3,000/month and Return-to-work assistance provides up to $1,500/month for up to 30 days.

What is the lump-sum payout for the Critical Illness plan?

The Critical Illness plan offers lump-sum payments of $10,000, $25,000, $50,000, $75,000, or $100,000 for major illnesses like cancer, heart attack, stroke, and more.

What Our Clients Say
Client Testimonials
Client Testimonial

"Thanks to the hospitalization plan, I was able to focus on recovering from my surgery without worrying about hospital bills. The daily benefits were a lifesaver!"

Sarah T.
Client Testimonial

"The disability plan provided me with financial security when I was unable to work due to my injury. The benefits helped cover my monthly expenses while I recovered. I’m so grateful!"

John D.
Get in Touch

Contact Us

Location

4789 Yonge St, Unit 912, Toronto ON M2N 0G3

Phone Number

+1 (416) 735-9177

Email Address

gabriel.macovei@combinedagent.ca

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  • ABOUT US

  • We are proud to provide trusted coverage to countless families and individuals across Ontario, Canada. Join the millions who trust us to provide the coverage you need when it matters most.

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  • CONTACT INFO

  • Contact us and we'll get back to you within 24 hours.

    +1 (416) 735-9177

    gabriel.macovei@combinedagent.ca

    4789 Yonge St, Unit 912, Toronto ON M2N 0G3