Who Should Get Critical Illness Insurance? 
Critical Illness Insurance is generally a secondary indemnification policy to disability and medical insurance . A key reason for you to consider critical illness insurance is family history . If your family has a historical disposition to health issues , especially as they became older , you should consider it . Sometimes people with chronic conditions like allergies develop major repository illnesses . That could be an additional reason to consider critical illness . You may be able to purchase it as a rider on some life insurance policies as well as a stand alone policy . 