Norvest offers voluntary group Critical Illness insurance protection to public sector employers and associations. Critical Illness insurance is a voluntary benefit designed to complement, but not replace, your existing medical coverage. Critical Illness insurance provides lump-sum cash payments for the diagnosis of a covered critical illness such as heart attack, stroke, cancer or major organ transplant. This lump-sum cash payment can be used to help offset the unexpected costs of recovering from a critical illness and is designed to provide the peace of mind needed to concentrate on recovery instead of finances. Most importantly, the cash benefit may be spent in any way you see fit.