Combined Insurance is a leading provider of accident and sickness insurance and specialises in providing accident and sickness insurance products to individuals, families and businesses throughout the world.Combined Insurance has been insuring New Zealanders since 1965 and has a strong (A) claims paying rating given by Standard & Poors (Australia) Pty Ltd on the 2nd April 2009. We are a member of the Insurance Council of New Zealand and participate in the Insurance Savings and Ombudsman Scheme.Combined Insurance is highly committed to providing our customers with the right protection products for their needs and has helped millions of customers to plan and protect their futures and the futures of their families from the unexpected. Over the years, Combined Insurance has paid our customers around the world more than NZ $ 12.17 billion in benefits, when they needed it the most.