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Medical problems contributed to 62% of all personal bankruptcies filed in the U.S. in 2007- an estimate of over 500,000. This is a 50% increase over results from a similar 2001 study.
Council for Disability Awareness - 2010
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Q: Why consider a benefit like Critical Illness Insurance?

Critical Illness Insurance is designed to complement your health plan and provide an additional financial safety net if you or one of your family members are diagnosed with a covered critical illness. This benefit pays out a lump sum amount (like a life insurance face amount) upon initial diagnosis of a covered critical illness.  You can use that money however you want to use it, whenever you want to use it.

If a previously covered illness returns, or you’re diagnosed with an additional covered illness, benefits remain payable up to the benefit maximum for as long as you are insured under the policy (subject to plan terms and conditions).