While your health insurance will cover most of your health care costs, if you are hit with a serious illness, you’ll likely be out more than just your out-of-pocket expenses for health care.

The time off recuperating or receiving treatment can cut into your ability to earn a paycheck and pay the myriad of recurring expenses you’re faced with: rent or a mortgage, car payments, credit card payments, utilities, food…you get the picture.

However, there is an affordable insurance policy that can help you with your finances during your recovery time: critical illness coverage.

Critical illness policies provide lump-sum payments in the event of a serious health diagnosis, typically cancer, heart attack or stroke. How to Cover Your Expenses If Laid Up from a Serious Illness

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