Reply To: What is critical Illness cover? Actuary Forums › Forums › Learnings › Daily Dose › What is critical Illness cover? › Reply To: What is critical Illness cover? September 29, 2018 at 11:54 am #24064 Arpit SuranaParticipant I have heard that, a person should have a separate critical illness cover also other than general health insurance policy Why? You can have an add-on cover of it under your health insurance policies? So why take a separate policy Like