Who Buys Critical Illness Insurance? 
People who buy critical illness insurance are those who have a genetic predisposition to certain illnesses based on family history , smokers -LRB- who have increased risk for getting some diseases -RRB- , those who have had loved ones with critical illnesses and have seen the impact firsthand , and those who do not have savings on hand to pay for the costs that come with this type of diagnosis -LRB- loss of work , travel , child care , bills -RRB- . All type of people buy critical illness insurance . 