What Is The Difference Between Critical Illness And Disability Insurance? 
Critical illness policies make cash payments to the insured upon diagnosis and for treatment of a specific list of covered medical conditions : cancer , heart attack , stroke , major organ failure , etc. . The policies make payments regardless of whether the individual is able to work . Disability insurance policies make cash payments to the insured during the time the person is unable to work . Disability insurance covers accidents , and a broader range of illnesses . 