What Is Critical Illness Insurance? 
Critical illness insurance comes in a variety of definitions . If it is a ` rider ' on your life insurance it probably covers anything that causes the insured to be unable to perform two or more of the 5 daily living tasks by themselves , such as dressing , bathing , toileting , eating , and walking . It may be defined as a critical condition from which recovery is not expected . There are `` catastrophic disease '' policies that are stand alone policies and usually cover cancer , heart attack , stroke and any terminal condition . 