Why? It pays a lump sum (e.g., $10K–$100K) if you’re diagnosed with conditions like cancer, heart attack, or stroke—when bills hit hardest.
- Who should get it? Anyone with a family history of serious illness, or with high-deductible health plans.
- Helps cover: Lost wages, travel for treatment, deductibles, alternative therapies
- Note: Even with good health insurance, families can go into debt due to indirect costs.