Catastrophic health insurance quotes can be found on this page by typing the keywords into the box provided. Catastrophic health insurance can be the ideal solution for healthy people who are trying to save money on insurance premiums. It offers lower premiums for less coverage such as visits to the doctor, while ensuring that if some disaster should happen, you will be covered for larger costs.

Many insurance policies are based on paying for what you might need. But with catastrophic health insurance you basically only pay for what you actually need. Like most insurance policies there is a deductible, but once that is met you pay the same rate whether you have to visit a GP or a specialist.

There are two different kinds of catastrophic health insurance; comprehensive and supplemental. While the comprehensive one covers more, the premiums are higher than for the supplemental one. But they are still much cheaper than most traditional health insurance policies. Comprehensive covers many emergency services such an ambulance. And since an ambulance is often necessary for road accidents or even severe medical problems like a heart attack this is a handy feature.

The supplemental catastrophic health insurance plan is usually taken out as a supplement to other health care policies. Each plan varies, but nursing care, psychiatric care and the cost of medical aids are often included in it.

When searching for catastrophic health care insurance quotes you will find that these plans do not cover elective procedures – but neither are these covered by most other health insurance policies. However, supplemental does cover such expensive costs as lab tests, intensive care, surgery and hospital stay.

The people who are most likely to benefit from catastrophic health insurance are healthy adults who do not go to the doctor much, people who are self-employed and cannot get group health insurance and low income earners who find they are unable to meet the cost of traditional health insurance. Older people also may find that purchasing catastrophic insurance is a safeguard against the high cost of stroke or heart attacks.

But those who suffer from a chronic condition and must pay large amounts on an ongoing, monthly basis for prescriptions and other forms of health care will find that catastrophic health care is of very little benefit to them.

Hopefully this information about catastrophic health insurance quotes has been helpful.