Why should I buy a critical illness cover?

Critical Illness cover is for specific diseases like cardiac/cancer etc. Generally list comprises of 8 to 12 but in a specific company this may be as high as 35.On happening of the diseases lump sum payment may be made – giving you the option of choosing the treatment. For example you may like to have naturopathy or yoga path as guided by Baba Ram Dev. Generally this policy is given by Life Insurance Companies as a stand alone policy or as an additional rider in your life insurance policy (against some additional premium).Even now you can add it to your existing policy in case it does not have this rider.