No. Critical Illness insurance are based on your coverage and the doctor's medical report. Critical illness insurance plans payout when the insured person is diagnosed with the critical illness. The Critical illness plan is then paid out to the named beneficiary. To be used for living expenses and other bills or added to savings. Usually one time payout only (some premium plans allow for upto three times payout) then the policy is closed. Unlike medical insurance which resets the payout back to the original coverage every year.