Who Invented Critical Illness Insurance? 
Critical Illness Insurance covers specified major illnesses . Typically , it pays a lump sum -LRB- sometimes different -RRB- payment to the insured . The first Critical Illness policy was issued in 1983 in South Africa . They have grown in popularity since that time . A full-time broker -LRB- not a part-timer , a media person or someone not fully-licensed -RRB- will be your best resource for quotes and information . 