Critical Illness coverage insures against disability, life, and health issues. Offering the coverage as part of the company benefits plan, can help employees protect themselves from serious illness as they are able to access better medical treatment without worrying about the financial burden. Employees that contract serious illness, are paid a one-time, lump sum amount following a specified survival period. The benefit is paid regardless of whether they can continue with their work or what expenses they incur during treatment. The benefit to the Employers is that it will create higher employee morale, improved loyalty, and increase productivity.