Define "catastrophic health insurance."

Catastrophic health insurance is specifically designed to provide protection against severe health issues while maintaining lower premium costs. These plans typically have high deductibles and are meant for individuals who want to safeguard themselves against major medical expenses without paying high monthly premiums. They cover essential health benefits after a certain threshold is reached, which makes them appealing for young, healthy individuals or those who mainly want protection from unexpected, high-cost medical events rather than ongoing or routine healthcare.

In contrast, high-premium plans that cover routine care do not align with the purpose of catastrophic insurance. Catastrophic plans are not focused on routine or minor health needs but on significant medical catastrophes instead. Moreover, options that cover cosmetic procedures or offer unlimited benefits for all healthcare expenses do not fit the definition of catastrophic health insurance, as these would imply a broader and more expensive coverage model. Therefore, the focus on severe health protection and lower premiums is what clearly defines this type of health insurance.