For a 35 year old there is a 20% chance of suffering from any critical sickness before the age of 65 years. The majority of critical illness claims are more related to Cancer, Heart Attack, Stroke, Coronary Bypass. The Big Four Trauma Insurance Claims are cancer, coronary bypass, stroke and heart attack.
Modern Medical Treatment will ensure you will probably survive a reasonable period after these illnesses. Therefore, you are likely to still have a need for insurance to protect your lifestyle.
50% of cancer patients and 80% of the first heart attack patients are still alive after the first year.