What is Critical Illness Insurance? 
A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. Critical Illness plans can either be stand alone or added to your Life Insurance plan. 
Who is it for? 
This type of plan is designed for those individuals or families who need a lump sum if they are diagnosed with a serious illness. You can use these funds to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home. 
The quality of cover and the illnesses covered can vary significantly between different providers. 
The typically covered conditions are: cancers, heart attacks and strokes. They are the headlines, but according to MoneyHelper, a government provided service, the protection can offer cover for up to 52 Critical Illnesses. 
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