Which health insurance concept provides coverage only for specific illnesses?

A specific disease policy is designed to provide coverage exclusively for particular illnesses or conditions, making it a targeted approach to health insurance. These policies are often established to cover high-cost diseases, such as cancer, heart disease, or specific serious conditions that may incur significant medical expenses. The benefits and coverage parameters are clearly defined, allowing insured individuals to better manage the financial risk associated with those specific diagnoses.

In contrast, comprehensive plans offer a broad range of benefits for a variety of healthcare needs, including preventive care, hospitalization, and outpatient services, but they are not limited to specific illnesses. Major medical policies provide extensive coverage for a wider array of health issues, often including higher deductible options and covering a significant portion of medical expenses. Catastrophic coverage is intended for worst-case scenarios, covering only serious health events or accidents, and it typically involves lower premium rates in exchange for higher out-of-pocket costs before coverage kicks in.

Given this understanding, the specific disease policy is the only option that aligns with the concept of coverage for certain illnesses rather than a comprehensive or broad-based approach.