Critical Illness Insurance pays a lump sum Benefit upon diagnosis of a covered condition, such as, heart attack, cancer and stroke. Critical illness insurance first emerged in South Africa in 1983 and was known as dread disease insurance. Dr. Marius Barnard Founder of Critical Illness Insurance, the brother of the late world-renown South African heart transplant surgeon, Dr. Christian Barnard

How does Critical Illness Insurance work?
There is a 30 day survival period. If you are alive on the 31st day after diagnosis or surgery, then the benefit becomes payable. How to Qualify

You must be healthy when applying for coverage
Smokers will be rated higher than non-smokers
Family history is very important