What type of insurance policy would be most appropriate for someone wanting extra coverage for severe health issues?

Critical illness insurance is specifically designed to provide financial protection in the event that the policyholder is diagnosed with a severe health condition, such as cancer, heart attack, or stroke. This type of insurance pays out a lump sum benefit upon diagnosis, which can be used to cover medical expenses, lost income, or any other costs associated with serious illness.

For someone seeking extra coverage specifically for severe health issues, critical illness insurance offers targeted support that other options may not provide. Life insurance focuses primarily on providing a benefit upon death, while accidental death and dismemberment insurance offers coverage related to accidents rather than health conditions. Disability insurance provides income replacement for loss of work due to a disability, but does not specifically address the financial burden of a severe health diagnosis like critical illness insurance does. Therefore, critical illness insurance is the most appropriate choice for someone wanting additional coverage for severe health issues.