Critical Care Insurance or critical illness insurance is a policy that offers a substantial amount of money to the insured client is diagnosed with any critical illness. The money is paid in a lump sum directly to the insured. The cash amount is paid directly to the insured in one payment. Coverage Critical care insurance includes a variety of illnesses and conditions that can affect any person. Some incidents that are ideally enclosed in critical care insurance associated with heart, like heart attack, heart surgery or many types of tumor, cancer, stroke, blindness, HIV/AIDS, Parkinson’s, paralysis, transplant, Alzheimer’s and severe burns. Each insurance company has different coverage options available to clients. These benefits/lump sum amount is paid irrespective of the other insurance policies the patient may have.