Critical illness insurance pays you for living

http://bullythebear.blogspot.com/2009/12/uncertain-world-and-its-asymmetrical.html

Let me join in the debate ...

Understand what are Critical illness insurance plans?

Critical illness insurance plans are benefit plans (No reimbursement on medical expenses) that pay the amount equal to sum assured, if the critical illness strikes, irrespective of expenses incurred on treatment.

In typical critical illness insurance plans, a lump sum allowance is paid irrespective of the actual medical expenses. Most critical illness plans cover cancer, heart attack, diabetes, multiple sclerosis, kidney failure, and stroke.


While planning a purchase of critical illness insurance cover, you should try to estimate what your loss of income will be and how much money you may need to compensate for the earning power that the illness deprives you of.

Having covered by CI is only one part of the story, the second part of story, where do you find money for your treatment as CI doesn't reimburse on medical expenses incurred?
 
I think we must first be covered by Medical Insurance and H&S, and then either by CI or other alternatives to cover part of lost incomes.
 
http://createwealth8888.blogspot.com/2009/11/critical-illness-cover-pitfalls.html