Having a serious illness is something none of us wants to think about, but this is something which we cannot avoid. The physical and emotional strain of a critical illness can be severe and when you combine that with the potentially damaging financial impact, the result can be devastating. Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis* of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It helps give you the freedom to get the treatment you want and to keep yourself.