Critical illnesses can be defined as a severe medical condition that requires specialized care. Different insurance companies cover different illnesses – it’s important to check with your provider to see what critical illnesses are covered.
Typically, most policies cover life-threatening illnesses such as cancer, heart attack, stroke, major organ transplant, kidney failure and Alzheimers. Other conditions covered may include coronary artery bypass surgery, paralysis, loss of sight or speech, multiple sclerosis, and paralysis of the limbs.
Moreover, some policies may cover rare illnesses such as Parkinson’s disease, motor neuron disease, HIV, Aplastic anemia, and Crohn’s disease. It’s important to check if the policy you’ve selected covers these illnesses and get full details on the coverage, terms, and conditions.