While a healthcare plan covers for your hospitalisation treatment and ward stay, a good Critical Illness plan serves as an Income Replacement plan. If any, this is the single most important reason to get Early Stage CI coverage, as it provides for financial stability in the time that you need it the most and unable perform at your maximum in your profession. As with the morbidity rate, Critical Illness plans are priced lower the younger the person is. It is crucial to get a comprehensive Critical Illness coverage.