The odds of suffering and surviving a critical illness are high.   Medical advances are helping us survive previously fatal diseases and conditions only to face the financial consequences of survival.  A cash lump sum helps ease financial worries while you are undergoing treatment so you can focus on getting well.   As a member, you have access to a Critical Illness benefit that pays out a lump sum of up to $2,500 if you, the primary member, are diagnosed with any of a range of serious conditions including cancer, heart disease, strokes and kidney failure.   What would the following expenses do to your quality of life? Your standard of living? Lost income Medical treatment out of your medical network Insurance and prescription drug co-payments and deductibles Child care during treatment and doctor visits Transportation and lodging during treatment Short-term home health care The amount payable for critical illness will be reduced by 50% if an Insured Person is age 65 or older on the date the benefit becomes payable. The amount payable for critical illness will be reduced to 0% if the Insured Person is over the age of 70.       Certain Fitness First Healthcare membership programs include some limited insurance coverages.