You should know that lot of people are suffering from health problems. These days, it is really expensive to repay the medical bills. If you are thinking to get some protection, while you have medical problems then you can take a Critical illness cover. In some countries it is known as medi-claims as well. This is the best way to get protected. It will help you to repay all your medical bills. However, you will have to pay the premium against the policy that you undergo. You will be amazed to know that tax free amount is available to you, whenever you are in need to repay the medical bills.