Critical illness cover a cushion during crisis.

HEALTH insurance; CRITICAL illness insurance; EMPLOYEE benefits; LUMP sum distributions (Pensions); POLICYHOLDERS; INSURANCE premiums

The article focuses on the addition of critical illness coverage to voluntary benefit packages offered to employees enrolling in high-deductible health plans. Topics covered include the added financial protection provided by critical illness insurance after a heart attack diagnosis as well as cancer or kidney failure. Also mentioned are lump-sum benefits for policyholders, coverage for copayments and deductibles and the restoration benefit while premiums and provisions vary in products.