Critical illness cover (CIC) is a policy that is designed to financially protect you & your family should you be diagnosed with a specified serious “critical” or life-threatening illness.
If you think your family would struggle to take care of the mortgage/rent, household bills, or any other expenses if you became critically ill, you should definitely consider Critical Illness Cover.
CIC pays out a lump sum upon diagnosis, and you can use the payout however you choose.