A Critical Illness or condition such as heart attack, cancer or stroke can change your life by affecting you physically, emotionally and financially. Critical illness insurance products provide you with a one-time, lump-sum benefit at a critical time in your life. How the money is used is up to you. Under most policies, the insured which has been diagnosed with a critical illness or condition named in the policy, may contact Best Doctors Inc. who can provide medical referral services that can assist you in making informed health care decisions.