The definition of this certain type of health insurance is basically in the name it is a health plan that will have you covered in case of a catastrophe. This can sometimes also be referred to as a High Deductible Health Plan. In this type of plan, routine doctors visits are more expensive, but in the event of a catastrophe, youve got yourself covered.
Of course, there are pros and cons to this type of health plan. You must weigh your options properly so that you will really know if you are meant to purchase this type of health plan. Look at the initial cost of the plan, the extent of its coverage and the lifetime maximum benefit being offered, if you can afford to pay for doctors visits on the off chance that you will get a minor sickness, and how much the deductible is and if you can afford it.
A Catastrophic Health Insurance coverage is not for everyone. Generally, it will be better that you get a health plan that will cover the small things, such as doctors visits and pharmaceutical needs. But if you genuinely believe that you are the type of person who will not get sick very often, or if you can afford the few doctors visits that you may need to make, then this is the plan for you. But if you are a little bit tight on cash, then you will probably need a plan that may have a higher premium but will cover all the small things
With a Catastrophic Health Insurance coverage, you will be covered for all the major things. So if this sounds like something that is appealing to you, then go on ahead and get yourself this type of health plan. You can get quoted online or through a personal broker to see if you are certainly eligible for this kind of health plan.
About the Author:
Julie has been writing articles online for nearly 4 years now. Learn about finding catastrophic health insurance coverage and read a great article on buying discount health insurance plans.