Best critical illness plan A critical illness plan is designed to replace your income, not to cover hospital expenses. Treatments and medications for critical illnesses can leave you too exhausted to work, but your bills, children’s education loans, and allowances for your spouse or parents continue even if your income is reduced or stops. An average person in their 40s needs at least 2-3 years to get back to what they are after battling with critical illness You never want to find yourself being caught off-guard and wrestling with a Critical Illness, even more so for recurrent illnesses. You may have the best health condition to fight it but the damage it does has taken a toll on an uncountable number of unprepared people. Therefore, when looking for a Critical Illness insurance plan, if your budget allows, it’s wise to opt for a plan that allows you to make multiple claims against each diagnosis of Early, Intermediate, and Advanced stage critical illness.