What are the 36 critical illnesses That Gets Covered in Your Policy?
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Get cover for these 36 illnesses with a Critical illness Insurance

Insurance Basics & Financial Advice Critical illness policy is a standalone financial plan that helps you secure yourself against life-threatening illnesses, diseases and disorders that you might suffer from. The Critical illness insurance is different from health insurance plan in the manner that it typically offers a significantly better payout, which can be used as you wish- be it for medical expenses or your daily expenses.

Get cover for these 36 illnesses with a Critical illness Insurance

3 Minute |

Get cover for these 36 illnesses with a Critical illness Insurance

Critical illness policy is a standalone financial plan that helps you secure yourself against life-threatening illnesses, diseases and disorders that you might suffer from. The Critical illness insurance is different from health insurance plan in the manner that it typically offers a significantly better payout, which can be used as you wish- be it for medical expenses or your daily expenses. You should carefully note the terms and conditions and the clauses in the offer document of the plan. Let us have a look at what are the 36 critical illnesses that almost every critical illness plan offers cover for-

  1. 1. Heart attack
  2. 2. Heart valve replacement due to defects or abnormalities
  3. 3. Coronary artery diseases requiring a bypass or other  surgery
  4. 4. Aorta surgery via thoracotomy or laparotomy
  5. 5. Stroke
  6. 6. Cancer
  7. 7. Kidney failure
  8. 8. Fulminant viral Hepatitis or massive necrosis of liver caused by a virus which can lead to liver failure
  9. 9. Major organ transplant including Kidney, Lungs, Liver, Heart and Bone marrow
  10. 10. Paralysis or Paraplegia including the complete and permanent loss of one or all of the limbs
  11. 11. Multiple sclerosis
  12. 12. Primary pulmonary Arterial Hypertension 
  13. 13. Total and/or permanent blindness
  14. 14. Total and/or permanent deafness
  15. 15. Total and/or permanent loss of speech
  16. 16. Alzheimer’s disease or other degenerative brain disorder
  17. 17. Parkinson’s disease
  18. 18. Coma
  19. 19. Third-degree burns covering at least 20% of the surface area of the body
  20. 20. Terminal illness
  21. 21. Motor neuron disease
  22. 22. Chronic liver disease
  23. 23. Chronic lung disease
  24. 24. Major head trauma
  25. 25. Anaemia due to chronic persistent bone marrow failure
  26. 26. Muscular dystrophy
  27. 27. Benign brain tumour
  28. 28. Encephalitis
  29. 29. Poliomyelitis
  30. 30. Bacterial meningitis due to inflammation of brain membranes or spinal cord
  31. 31. Brain surgery (Craniotomy)
  32. 32. Other serious coronary heart diseases caused due to narrowing of the lumen of the three major arteries- the Circumflex, right coronary artery (RCA), and Left Anterior Descending Artery (LAD).
  33. 33. Apallic syndrome or the Universal necrosis of the brain cortex
  34. 34. AIDS contracted by medical staff, in case it is caused due to injury or exposure to contaminated blood
  35. 35. AIDS due to blood transfusion in case the victim has contracted it due to receiving infected blood.
  36. 36. Full-blown AIDS

These are the most common types of illnesses that are taken care of under a critical illness insurance. These disorders themselves might have several subtypes and derivatives. Your bank or financial advisor will provide you with all the details according to the critical illness plan that you choose.

In case of a claim, the illnesses or diseases must be verified with blood tests, CT scan or an MRI as required. Also, it must be certified by an experienced medical practitioner in that field. Care should be taken while filling in the declaration at the time of purchasing a critical illness plan. It is essential to disclose any existing illnesses or deficiency or disorders that you might be suffering for during that time. It not only ensures transparency but also makes the payouts smoother.

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