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The cost of being sick or injured does not end with the doctor or hospital bill, or even the cost of medicine. Unforeseen, out-of-pocket expenses that are not covered by most medical plans can quickly add up. "Health insurance", a general term used for various types of insurance plans, was developed specifically to help with financial protection against loss due to sickness or bodily injury, and the unexpected out-of-pocket expenses that can blindside even the most careful planner.
There are many different types of health insurance that have attractive features and cover a wide range of necessities, such as supplemental health plans that offer specified coverage. Some are indemnity policies that pay cash benefits for covered incidents and can work in conjunction with your personal medical insurance plan.
The types of insurance available to you will depend on the product availability within your state, and coverage and premium will vary by carrier and plan.
For more information about health insurance, please see our Health Insurance FAQs, contact your health insurance professional or contact Standard Life.