Combined Insurance Company of America

Insurance95% confidence

Combined Insurance Company of America is a supplemental insurance provider offering accident, health, disability, and life insurance products, primarily sold through employers and agents. It operates across the United States and Canada as part of the Chubb group of companies.

Chicago, Illinois, United States
combinedinsurance.com
Owned by Chubb Limited

About Combined Insurance Company of America

Combined Insurance Company of America is a long-established supplemental insurance carrier that specializes in accident, health, disability, and life insurance products. Its policies are often sold through worksite/voluntary benefits programs, as well as through independent agents who market directly to individuals and families. The company is licensed in all 50 U.S. states and focuses on providing cash benefits that help policyholders cover out-of-pocket expenses when unexpected illness, injury, or loss occurs.

A charge with an ACH description similar to “COMBINED IN-#### DES:PURCHASE ID:VC... INDN:[NAME] CO ID:1362136262 PPD” typically reflects an electronic premium payment to Combined Insurance Company of America, often set up through payroll deduction, a bank draft authorization, or an employer-sponsored voluntary benefit enrollment. The CO ID number (36-2136262) matches Combined Insurance’s federal EIN, confirming the link to this insurer. Depending on the policy, charges may occur monthly, semi‑monthly, quarterly, or semi‑annually, and the amount can change if coverage levels, riders, or enrolled family members change.

If you have questions about a Combined Insurance charge, start by checking your pay stubs, enrollment forms, or any policy documents you received from your employer or agent, as well as recent mail or emails from Combined Insurance. You can also log into their online claims/portal site or contact their customer service using the phone numbers and contact links provided on combinedinsurance.com. When you call, have your bank statement, the exact ACH description, and, if available, your policy or certificate number ready. If the charge is not recognized, you can request policy details, cancel unwanted coverage, or dispute the transaction through both Combined Insurance and your bank’s error-resolution process.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Combined Insurance Company of America.

  1. 07/01/2026 COMBINED IN-4459 DES:PURCHASE ID:VC00342506 INDN:CHAYAVICHITSILP, BOON CO ID:1362136262 PPD -60.30 3,249.61

Frequently Asked Questions

Why do I see an ACH charge from Combined Insurance Company of America on my bank statement?

An ACH charge with a description like “COMBINED IN-#### DES:PURCHASE ID:… CO ID:1362136262” usually represents an electronic premium payment for a supplemental insurance policy issued by Combined Insurance Company of America. This may have been set up through your employer’s voluntary benefits program, via payroll deduction that now drafts directly from your bank account, or through an authorization form you signed with a Combined Insurance agent.

What types of policies does Combined Insurance typically bill for via ACH or payroll deduction?

Combined Insurance commonly uses ACH and payroll deduction to collect premiums for accident, hospital indemnity, critical illness, disability, and life insurance policies. These are often low to moderate recurring amounts (for example, $10–$80 per pay period or per month) that correspond to coverage you elected for yourself and, in some cases, your dependents.

How can I verify which Combined Insurance policy is associated with this charge?

To verify the policy behind the charge, gather the transaction details from your bank statement and then check your pay stubs, benefit enrollment forms, and any policy certificates or welcome packets from Combined Insurance. You can also contact Combined Insurance customer service via the phone number or contact form listed on combinedinsurance.com, provide your name, address, and the ACH charge details, and ask them to look up any active policies tied to your information.

How do I cancel my Combined Insurance policy to stop future charges?

To cancel a policy, contact Combined Insurance directly using the customer service phone number or mailing address listed on your policy documents or on combinedinsurance.com. Request to cancel the specific policy and ask for the effective cancellation date and whether written notice is required. If the premiums are taken via payroll, also notify your employer’s HR or benefits department to stop payroll deductions and ensure no new premiums are submitted.

Can I get a refund from Combined Insurance for a charge I didn’t authorize or no longer want?

Refunds depend on policy terms and how long the coverage has been in force. If you believe a charge is unauthorized or made in error, contact Combined Insurance immediately and explain the situation, providing transaction details and any supporting documents. Ask whether a premium refund or adjustment is available. In parallel, you may file a dispute or error claim with your bank, particularly if you never authorized the draft.

Why did my Combined Insurance premium amount change suddenly?

Your Combined Insurance premium may increase if you added or changed coverage, enrolled additional family members, reached an age bracket that triggers higher premiums, or if group rates changed under your employer’s plan. Review recent enrollment changes or policy notices and contact Combined Insurance or your HR/benefits office to confirm which policy and coverage level match the new amount.

Does Combined Insurance place temporary authorization holds on my account?

Most Combined Insurance payments appear as direct ACH debits rather than card authorizations, so you typically won’t see small temporary holds like you might from a card-based merchant. However, a pending ACH entry may appear for a day or two before it fully posts. If a pending item looks duplicated or incorrect, monitor it for settlement and contact both Combined Insurance and your bank if it posts twice or for the wrong amount.

How can I contact Combined Insurance about a questionable charge on my statement?

You can contact Combined Insurance using the customer service phone numbers and contact links listed on combinedinsurance.com or on your policy documents. When you call or submit an online inquiry, have your full name, address, last four digits of your Social Security number (if requested for identity verification), any policy or certificate numbers you have, and the exact ACH transaction details so they can quickly locate your account and explain the charge.

This merchant is in the Insurance category

Browse all

Related Merchants

Allianz
NRMA
QBE Insurance
AAMI
Bupa

Compare Combined Insurance Company of America

vsAllianzvsNRMAvsQBE Insurance

Got more mystery charges?

Paste your bank statement codes and we'll tell you exactly who charged you.

Find out who charged you