Who Developed Critical Illness Insurance? 
According to Wikipedia and other articles , Critical Illness Insurance was developed by Dr. Marius Barnard in 1983 in South Africa . Dr. Barnard named the policy `` Dread Disease Insurance '' . As a cardiac surgeon -LRB- he served on the team of the first heart transplant , headed by his brother , Dr. Christian Barnard -RRB- , he saw how critical illnesses impacted the lives of those who suffered from them , and developed a policy to offset that hardship . 