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Even with a great health insurance plan, the financial impact of an accident can STILL cause a serious strain your budget. Because the payment is sent directly to you, it can be used to pay for your health plan’s deductible or other cost-sharing, or for every day expenses such as groceries, rent, a mortgage, a car payment or credit card bills.
Critical illness insurance pays you a lump sum cash benefit when a covered medical condition is diagnosed. You choose how to spend the money, whether for lost income, your mortgage or child care payments. A great way to help with high deductibles and out-of-pocket costs not covered by your health insurance.