Who Created Critical Illness Insurance? 
Dr. Barnard , who created the idea of Critical Illness insurance was concerned as he could heal people medically however the financial stress that people were under while they were at home , not working while they heal was sending them back with more health issues . He wanted an insurance that would pay people upon first diagnosis of a covered illness such as heart attack , stoke , cancer and more -LRB- now upward to 20 + conditions covered -RRB- monies -LRB- up to $ 500k -RRB- so their financial future was covered . 