Why Do I Need Critical Illness Insurance? 
I recommend all my clients need a critical illness policy to protect themselves from the costs involved with the illness . What most fail to think about is what happens after the illness . A critical illness often leaves people unable to work or sometimes lose their job -LRB- and possibly the health insurance that went with it -RRB- . A cash critical illness plan of any benefit amount helps maintain the lifestyle you had prior to your illness by affording cash to pay the mortgage , cars , food , necessities and other unforeseen out of pocket costs associated with the illness . At the very least I advise clients to purchase a critical illness plan that matches their max out-of-pocket of their health plan so in the worst case scenario they will have no risk exposure . 