What type of policy would only provide coverage for specific types of illnesses (cancer, stroke, etc)?

Dread disease insurance is specifically designed to provide coverage for particular conditions or illnesses, such as cancer, stroke, or heart disease. This type of policy focuses on high-risk diseases and typically pays out a lump sum benefit if the policyholder is diagnosed with one of the specified illnesses. The intent is to alleviate the financial burden associated with serious health conditions, allowing individuals to cover medical expenses, lost income, or other costs that may arise during treatment.

Other types of policies do not have the same focused scope. Term life insurance provides a death benefit for a specified period but does not offer health coverage related to specific illnesses. Comprehensive health insurance covers a wide range of medical expenses, including general health issues and preventive care, rather than limiting coverage to certain diseases. Basic medical expense insurance typically addresses a variety of healthcare costs but is not tailor-made for specific illnesses like dread disease insurance is. Thus, dread disease insurance stands out as the appropriate choice for providing targeted coverage for selected illnesses.