The most common major health occurrence is an accident. An Accident Medical Expense pays you cash for the medical bills in the event of an accident, such as cut, broken bone, slip & fall, etc.
Critical Illness plans will pay cash money if you are diagnosed with a life-threatening illness such as Cancer, Heart-Attack, Stroke, or several other ailments that might cause death.
Hospital Expense plans will pay cash benefits fore each day when you are admitted (spend 24 hours or more) to the hospital. There will be an assigned amount per day, and for how many days.
These types of programs offer discounts for health service, and will have tele-doc service to speak with a doctor over the phone, instead of having to visit an office,