Friday, September 21, 2007

Catastrophic Health Insurance

Catastrophic health insurance is a basic medical policy that covers extreme emergency situations and is the perfect way to financially guard against any tragic event. Most emergencies of this nature potentially require many medical specialists, extended period of hospital stay, as well as transportation costs between medical facilities. All of these services are extremely expensive and could financially devastate anyone involved. Acquiring a catastrophic medical insurance policy can protect an individual and their loved ones in the event of a disastrous crisis.

This is also a great type of insurance for international travelers. If someone frequently travels overseas on mission trips, vacations, to visit family and friends, or on business, they may want to purchase additional catastrophic medical insurance that will provide assistance in the event of a health crisis away from home. If the individuals intent when buying catastrophic health insurance is for international coverage, they should make sure that the policy will work outside of the United States. They may also want to check out their current comprehensive coverage to make sure that they do not already have international coverage for unexpected emergencies of this magnitude.

A plan to cover major catastrophes will give a person peace of mind knowing that, financially, all of their medical bills will be paid. Anyone can purchase this type of health coverage alone or as an add-on to their current policy. Catastrophic medical insurance is typically less then comprehensive coverage, but often provides less benefits as well. This type of plan will not cover chronic health maintenance costs except for chronic illnesses or injuries resulting from a catastrophic event. With so many natural disasters and other emergency situations that can occur, it is very important to at least research this coverage to determine if it is necessary or not.

For a person, being able to protect themselves and loved ones is a major responsibility and of utmost importance. Owning a catastrophic health insurance policy is one of the many ways to protect do this in the event of a medical crisis. It is important not only to be prepared but rely and trust in God when moments of crisis arise in life. God promises in His Word that He is a person's helper and that He will never leave them. A promise of protection and care is greater than any type of health coverage including catastrophic medical insurance. "Behold, God is mine helper: the Lord is with them that uphold my soul." (Psalm 54:4).

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