🛡️ What is critical illness insurance?

Critical illness insurance provides a lump-sum payment if you’re diagnosed with a covered serious condition such as cancer, heart attack, or stroke. This money can be used for anything — medical costs, mortgage payments, daily expenses, or time off work — giving you financial breathing room when you need it most. One major advantage is that some policies offer permanent coverage with a return-of-premium option, meaning if you never make a claim, you can get your money back later — turning protection into a form of forced savings