Who Needs Critical Illness Insurance? 
Critical Illness Insurance is great for any consumer , but it 's especially useful for anyone with a hazardous occupation , the self-employed or someone who was declined Disability Insurance . Critical Illness Insurance pays out in a lump sum payment upon a diagnosis of a covered illness , so anyone who would benefit from excess cash immediately -LRB- for any type of bill or payment -RRB- , would benefit from CI . 