A benefit which helps cover for treatment of critical illnesses. Such situations entail relatively higher expenses and longer period of absence from work for the affected. Cigna TTK Health Insurance pays a lump sum cash payment to the policy holder if he/she has opted for a critical illness plan.Raj is diagnosed with the first stage of cancer. Raj's basic insurance doesn't cover critical illnesses. This means that Raj will not only be stressed about the disease he's contracted, but he'll have to pay for the treatments himself. He will also have to take long absences from work which translates to a loss of income. Had Raj opted for a critical illness 'add on' he could have focused on just getting treated rather than worrying about financing the treatment.