sighting in New Zealand being more than 44 years ago. WELLINGTON, New Zealand –  Fears over the health of a young Emperor penguin stranded on a New Zealand beach have prompted officials to move it to a local zoo. The penguin's rare 2,000-mile journey from Antarctica has captured the imagination of many. But veterinarians became concerned enough about the bird Friday that they stepped in. Peter Simpson, a program manager for the Department of Conservation, said the penguin was eating sand and sticks and thatrge pool of medical experts and specialty doctors across the globe to users, typically patients seeking second opinions or those looking for advice from experts not available locally. "We have picked up a minority stake in this venture as it was a unique idea backed by professional doctors," said V.S. Rangan, executive director, HDFC. The website, which has around 300 doctors on its panel from at least 22 countries, also has electronic links with around 21,000 accredited diagnostics labs across India. "It creates a paradigm shift in healthcare quality globally as a patient gets medical opinion from the world's best doctors with no travelling and no wait for specialists' appointments," Shome said. Users of the website need to pay INR500 to register and can then upload queries that are addressed in three days. Angels Health is also planning to set up electronic kiosks in cities and villages to expand its service reach year, women have a 63% chance of surviving at least five years and men a 66% chance, according to AACII figures. "The good news is you're likely to live," says Slome. "The bad news is you're likely to be broke." In fact, more than 60% of all U.S. bankruptcies in 2007 were caused by medical bills and 78% of those individuals had health insurance, according to a national study published in The American Journal of Medicine in 2009. Do You Really Need 'CI' Coverage? Critical illness, or CI, insurance is designed to help cover the medical expenses that your health insurance won't cover, such as deductibles, copays, noncovered prescription drugs, alternative treatments and out-of-town care, as well as nonmedical expenses, including mortgage or rent, utilities, car payments and insurance, health insurance premiums and lost income. "If you're 30 years old, married with kids and you get cancer, the first thing that is going to happen is, you'll take time off from work," says Slome. "Some of that is compensated, some won't be. And your spouse will likely take some time off to help compensate. So it's not just losing one income; it impacts the whole family." It can make up for the shortcomings of your employer-sponsored disability coverage, which typically only covers 60% of your income and may not kick in at all if your treatments allow you to return to work. CI coverage pays your entire benefit amount in one lump-sum payment if you are diagnosed with a critical illness covered by the policy, even if you make a full recovery. Some policies will even pay you multiple times. For instance, you'd get one payout for a cancer diagnosis, then a second, albeit reduced payment if you have a heart attack. With proper planning, critical insurance can help individuals withstand a prolonged treatment and recovery period without digging themselves deep into debt. It also can help pay for lifesaving treatment that requires temporary relocation, such as waiting for an organ transplant. Costs and Considerations How much might you need? As a starting point, Ken Smith, director of product sales at Assurity Life Insurance, recommends multiplying your monthly mortgage payment by 24, or two years, and adding $5,000 for expenses not covered by your health insurance. For example, if your mortgage is $1,500 per month, your policy benefit amount would be $41,000. Policy limits can range from $10,000 to $1 million. As for costs, rates may depend on your age, sex, use of tobacco products, health and the coverage amount. For example, the average annual premium for a male no