Catastrophic Medical Insurance - Catastrophic Health Insurance: Pros and Cons | Catastrophic health insurance, Health insurance ... : In both types of catastrophic insurance plans, once your deductible is met the insurance company covers the major medical expenses that it deems necessary, like hospital stays, surgeries, lab tests.. And if the accident / insurance. Catastrophic health insurance is a type of medical coverage under the affordable care act. Catastrophic health insurance plans have low monthly premiums and very high deductibles. Need basic medical insurance with low premiums? Catastrophic insurance coverage helps you pay for unexpected emergency medical costs that could otherwise amount to medical bills you couldn't pay.

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A catastrophic health insurance plan is going to be purchased by someone that is looking to keep monthly costs down, but also protect against a substantial medical loss.

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This coverage, in addition to normal health coverage, does not cover all.

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