- Heart Attack
- Organ Transplant
It is called Critical Illness insurance. It is technically life insurance and also pays out upon death. It can be purchased in quantities of 10,000. For example if you purchase a high deductible major medical plan you can purchase 20,000 or 30,000 of critical illness and be covered completely for your deductible (and have extra to cover bills during recovery) should any critical illness hit.
Ask your independent agent about this option when you look for health insurance. A physical is RARELY requested and the premium(monthly payment) is usually quite low.