Critical Illness Insurance - Why I'm Grateful I Planned Ahead

Prologue: A Decision Made Years Ago It was 2022. COVID was raging across the world, and I felt a gripping fear - “is World War III about to start in Ukraine?” And another thought - “I’m about to turn 40.” I remember that feeling - you wake up one day and feel “older than yesterday.” Not sick, not weak, just… aware of time passing. I thought about my family. About the fact that serious illnesses - cancer, heart attacks, strokes - do happen. Maybe not now, maybe in 10-20 years, but they happen. And that it’s worth getting protection while “nothing is happening.” I switched on my “rational pragmatism” - I’d get better terms now. ...

January 25, 2026 Â· 13 min Â· 2676 words Â· Michal