What does catastrophic insurance offer?

Catastrophic insurance is designed to provide extensive coverage for individuals who experience severe injuries or illnesses. This type of insurance typically includes lifelong medical and rehabilitation benefits, ensuring that individuals who face significant health challenges can access the necessary care and interventions over time. Such coverage is crucial for athletes or active individuals who may be at a higher risk of serious injuries that could lead to long-term health issues.

The other options focus on more limited aspects of health insurance. Short-term disability benefits primarily assist individuals during a temporary period of inability to work, while basic health coverage tends to address routine medical needs rather than catastrophic events. Emergency medical care is essential but only represents a snippet of what catastrophic insurance encompasses, as it is not limited to immediate care but rather extends to comprehensive long-term support.