No major medical or hospital insurance policy pays a client CASH if they sustain a Critical Illness. If a person is critically injured or incures a desease that is Critical in nature, a critical illness policy will be a pre determined amount of TAX FREE CASH the client can use for ANY reason to help pay bills, mortgage, car payments, etc. while they are unable to work due to the Critical illness. These are not expensive premium policies and can start for as little a $2 per month for an individual for a $10,000 lump sum benefit.