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What is critical illness and why do I need it?

Critical illness is a severe health condition of which will result in death if untreated in 12 months such as (but not limited to) stroke, heart diseases, critical injuries that lead to paralysis, blindness, etc. 1/4 men will contract a critical illness before age 65. The average age of individuals filing for bankruptcy due to medical costs was 44.9 years old. Critical illness insurance can cover gaps in health insurance such as living expenses (i.e. rent, food, transportation, caretaker, etc.) and out-of-pocket medical costs. These expenses can be much more significant than costs incurred inside of a hospital or medical facility.

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