Another healthcare option is a policy addition known as Life or Critical Illness coverage. With this supplemental coverage, the insurance company is agreeing, in advance, to pay a lump-sum payment to people who are diagnosed with certain diseases, including Alzheimer’s disease, Multiple Sclerosis, Parkinson’s disease and more.
This type of coverage is based on decisions that include your family’s medical history and other factors. For example, if your family has a history of serious medical issues that arise at an early age, then this coverage could be a huge help to you and your family.
If you do add Life or Critical Illness coverage, it does not affect your regular healthcare plan in any way. You are not trading a lump benefit for no coverage later, but rather simply adding additional coverage in the event of a major medical issue.
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