Although they can differ from policy to policy, typical illnesses and diseases covered by critical illness insurance may include:
- aortic surgery
- aplastic anemia
- bacterial meningitis
- benign brain tumor
- blindness
- cancer (life-threatening)
- coronary artery bypass surgery
- deafness
- dementia including Alzheimer’s
- heart attack
- heart valve replacement or repair
- kidney failure
- loss of limbs
- loss of speech
- major organ failure
- major organ transplant
- motor neuron disease
- multiple sclerosis
- occupational HIV infection
- paralysis
- Parkinson’s disease
- severe burns
- stroke
Coverage can also vary according to the degree of severity of, or conditions associated with, an illness or disease. For example, if you are diagnosed with a type of cancer that is treatable and is not life-threatening you may not be eligible to make a claim.
Coverage cannot be purchased for a pre-existing condition or illness.
It is important to read your policy carefully. In addition, be sure to ask your insurance professional to provide you with a complete explanation of your coverage.