Is Critical Illness Insurance A Benefit In Kind? 
Critical Illness insurance is a great benefit of any kind . 1 in 4 will contract any of the covered illnesses . In regards to that the coverages will pay cash indemnity lump sum and tax free like a life insurance policy . The policy was created by a heart surgeon who had seen patients stricken with the illnesses then due to being sick was not able to work or continue with daily normal life . They also needed financial resources to pay for treatments and to assist in paying for the accumulating financial obligations at home . 