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40+ Critical Illnesses Commonly Covered

Explore major life-threatening illnesses commonly covered under Critical Illness Insurance plans from leading insurers. Learn how a lump sum payout protects you.

Explore major life-threatening illnesses commonly covered under Critical Illness Insurance plans from leading insurers. Learn how a lump sum payout protects you.

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Covered illnesses vary by insurer and policy terms. Please refer to policy wording for exact illness definitions, waiting periods and exclusions.

Critical Illnesses Covered

Coverage against major life-threatening conditions with lump-sum payouts.

Heart & Circulation

4
  • Heart Attack

    Coverage for first heart attack of specified severity.

  • Coronary Artery Bypass Surgery

    Coverage for CABG/open-chest heart surgery.

  • Aorta Surgery

    Coverage for surgery involving major aortic diseases.

  • Pulmonary Arterial Hypertension

    Coverage for severe pulmonary hypertension.

Subject to Policy Terms

Cancer, Blood & Infections

4
  • Cancer

    Coverage for specified cancer conditions including major and early stage cancer.

  • Aplastic Anemia

    Coverage for severe bone marrow failure conditions.

  • HIV Due To Blood Transfusion

    Coverage for HIV infection acquired through medical transfusion.

  • HIV Due To Occupational Hazard

    Coverage for healthcare professionals contracting HIV occupationally.

Subject to Policy Terms

Organ Failure & Transplant

5
  • Kidney Failure

    Coverage for end-stage renal failure requiring dialysis.

  • Major Organ Transplant

    Coverage for heart, liver, kidney, lung and bone marrow transplant.

  • End Stage Liver Disease

    Coverage for irreversible liver failure.

  • End Stage Lung Disease

    Coverage for severe chronic lung disease.

  • Medullary Cystic Disease

    Coverage for inherited kidney disease.

Subject to Policy Terms

Brain & Nervous System

12
  • Stroke

    Coverage for stroke resulting in permanent neurological symptoms.

  • Multiple Sclerosis

    Coverage for permanent neurological impairment.

  • Coma

    Coverage for medically induced coma causing permanent neurological damage.

  • Alzheimer's Disease

    Coverage for advanced degenerative cognitive disease.

  • Parkinson's Disease

    Coverage for advanced Parkinson's disease causing permanent disability.

  • Motor Neuron Disease

    Coverage for progressive neurological degeneration.

  • Benign Brain Tumour

    Coverage for non-cancerous brain tumors requiring surgery.

  • Brain Surgery

    Coverage for major neurological surgery.

  • Apallic Syndrome

    Coverage for vegetative neurological state.

  • Creutzfeldt-Jakob Disease

    Coverage for rare degenerative brain disorder.

  • Encephalitis

    Coverage for severe brain inflammation causing permanent damage.

  • Bacterial Meningitis

    Coverage for severe meningitis with neurological complications.

Subject to Policy Terms

Senses, Mobility & Disability

10
  • Paralysis

    Coverage for irreversible loss of muscle function.

  • Blindness

    Coverage for irreversible loss of sight.

  • Loss of Speech

    Coverage for permanent speech impairment.

  • Deafness

    Coverage for permanent and irreversible hearing loss.

  • Loss of Limbs

    Coverage for permanent loss of hands or feet.

  • Muscular Dystrophy

    Coverage for progressive muscle degeneration disorders.

  • Poliomyelitis

    Coverage for paralysis due to polio infection.

  • Loss of Independent Existence

    Coverage for inability to perform daily living activities independently.

  • Permanent Total Disability

    Coverage for irreversible total disability due to illness or accident.

  • Loss of One Limb And One Eye

    Coverage for combined permanent disability conditions.

Subject to Policy Terms

Other Serious Conditions

5
  • Major Burns

    Coverage for severe third-degree burns.

  • Severe Rheumatoid Arthritis

    Coverage for advanced rheumatoid arthritis causing disability.

  • Systemic Lupus Erythematosus (SLE)

    Coverage for severe autoimmune disease complications.

  • Progressive Scleroderma

    Coverage for severe connective tissue disease.

  • Terminal Illness

    Coverage for diagnosed terminal medical condition.

Subject to Policy Terms

Note: The above list represents common critical illnesses covered by most insurers. Exact definitions may vary by policy.

How Critical Illness Insurance Works

1

Diagnosis of Covered Illness

2

Medical Documents Submitted

3

Insurer Verifies Illness Definition

4

Lump Sum Payout Released

5

Use Funds for Treatment & Recovery

What Can The Payout Be Used For?

Use your lump sum payout freely for medical and personal needs.

  • Treatment Expenses

  • Home Recovery

  • Income Replacement

  • EMI Payments

  • Family Support

  • Lifestyle Expenses

Frequently Asked Questions

Common questions and answers regarding Critical Illness insurance.

A critical illness cover pays a lump sum benefit upon diagnosis of a covered illness (such as cancer, heart attack, or stroke). This payout is made irrespective of actual treatment expenses, providing complete financial freedom.

Yes, standard critical illness plans have a survival period (typically 30 days) from the date of diagnosis before the claim payout is released.

Absolutely. The insurer releases a one-time lump sum directly to you. You can use it for EMIs, rent, treatment abroad, home modifications, or daily expenses.

Protect Yourself Against Major Medical Risks

Our experts can help you compare Critical Illness plans from leading insurers. Ensure complete financial security for your loved ones.

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Disclaimer: This information is for general awareness only. Please read policy wording for detailed terms, conditions, definitions, exclusions, waiting periods and claim requirements.

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