Criticall Illness Benefits can be Reimbursement type or Cash Back Lump Sum. They typically pay there benefit upon diagnosis of a Critical Illness such as a Heart Attack, Stroke, Organ Transplant, Etc. Once diagnosed the benefit amount is paid. The money recieved from the Lump Sum Cash Back Plans can pay for the deductible on Major Medical Plans, Coinsurance or even to help with household expenses, mortages, car payments. You may also us the money as income replacement if you are out of work.