Critical illness insurance provides money for care if you are diagnosed with a serious illness or condition like cancer, heart disease, stroke, multiple sclerosis, blindness, organ transplants, kidney failure, paralysis and more.
This insurance will provide a lump sum payment while you are still alive. It has tremendous flexibility if you become critically ill.
If you want to try alternative therapies or medications that aren't covered under government plans you are free to spend your lump sum payment as your choose.
As not all critical illness policies are the same, it is important to seek out professional advice and guidance in choosing your policy.