Catastrophic health insurance is a type of health insurance that requires you to pay a fee every time you need a medical service. This fee is referred to as the premium. Choosing a catastrophic health insurance plan can drop your premiums significantly. There are two different kinds of insurance.

The first is conventional catastrophic heath insurance. This is the most expensive health insurance; second type which is cheaper one is the supplemental catastrophic health insurance. Generally if you are a relatively healthy person and don’t need to see the doctor too often, catastrophic health insurance is your best option. When shopping for catastrophic health insurance coverage make sure the plan you choose has a sufficient lifetime maximum benefit, annual maximum benefit, and an acceptable stop loss.