Critical Illness insurance is a long-term policy that pays out a lump sum in the event that you have a critical illness that is covered by the policy. The payment can help with meeting future expenses, be that mortgage / rental payments, or changes to your house to accommodate your new situation. It is your choice how to spend the money. The policy pays out once and then ends.
With advances in modern medicine, many critical illnesses are now curable for example various cancers. As the policy pays out on diagnosis, you are able to give total concentration to your recovery.
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