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It has been said for many years that Medical Bills are the largest reason people file for bankruptcy. While most think that the reason is high deductibles and high out of pocket maximums, that is only a small portion of the problem. A bigger reason are the indirect costs associated with medical care. Going to and from doctor visits, taking time off from work, to take care of these things. Critical Illness policies help you with both the direct and indirect costs of major illnesses.