Why Do I Need Critical Illness Insurance? 
People do not necessarily need critical illness insurance . Unlike life insurance , which covers the inevitability of death , no ones knows whether they will suffer a critical illness such as cancer , stroke or heart attack . But if they do , getting that lump sum of cash can be a huge relief . It can provide income while unable to work , pay for medical bills , cover household bills , or cover expenses related to being ill . Not only does this help with the financial burden , it also brings a ray of sunshine at a dark time . 