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Catastrophic illness insurance coverage was designed for major hospital and medical expenses such as intensive care, heart attack, cancer, and other serious illness and hospitalization needs. Catastrophic illness insurance is generally for people between 50 to 65 who studies show are more prone to certain illnesses or younger individuals who may not be covered by an employer. Catastrophic illness insurance policies typically come with a very high deductible from $500 to $15,000 and high maximum benefit payments, usually $1 - $3 million.

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