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Critical Illness
Almost every 40 seconds, someone in the U.S. will suffer a heart attack. Besides cardiovascular disease, stroke is the 4th leading cause of death in the U.S (Heart Disease and Stroke Statistics Update Fact Sheet At-a-Glance, 2023). Critical Illness is a good supplement to your primary health policy but is not meant to replace major medical coverage.
Supplemental Accident
Unexpected injuries happen. Accident insurance is used to supplement medical costs due to injury that your primary policy doesn't cover. This is a good choice for someone with a high-deductible or larger cost-sharing primary medical policy.
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