List of Critical Illness Diseases Covered by Health Insurance Companies


Health insurance policies cover all the expenses that are involved in treating an injury or illness. The policy covers many facilities, including paying your hospitalisation charges, ambulance charges, daycare bills, and home treatment expenses. Insurance companies offer coverage for a wide range of illnesses. Below are some critical diseases that will be covered by your critical illness plan for hassle-free treatment.

1. Cancer of Specified Severity

The uncontrolled growth of tissues leads to the destruction of normal tissues. Leukaemia, lymphoma and sarcoma are included in the cover of health insurance for cancer.

2. Kidney Failure

Cover for the end stage of renal disease where both the kidneys fail. With expert’s consultation, regular renal dialysis or renal transplantation is conducted. The expenses of which are covered by the critical illness health plan.

3. Alzheimer’s Disease

The incapacity of remembering things and loss of intellect is confirmed by tests and clinical evaluation. The lack of mental and social understanding, the health cover provides full protection to patients with Alzheimer.

4. Chronic Lung Disease

The end-stage of chronic lung disease is where the respiratory system fails. Permanent oxygen therapy forced expiratory volume, Baseline arterial blood gas analysis showing arterial partial oxygen pressure at a level of fifty-five and Dyspnea at rest must be confirmed to cover the treatment.

5. Chronic Liver Disease

If the end-stage chronic liver disease is causing Permanent jaundice, Ascites, Hepatic encephalopathy, Esophageal, Gastric Varices and Portal Hypertension then the insurance will cover the expenses. Liver damage due to smoking and drug abuse are not covered.  

6. Heart Attack

In heart attack cases where the sign of myocardial infarction appears for the first time. The muscle of any region of the heat decreases due to the lack of proper blood supply. All the heart attack expenditures are covered in the critical illness plan.

7. Angioplasty 

In the case of Coronary Artery Balloon Angioplasty, the patient needs to submit a Coronary Angiography Report, discharge card from the hospital of treatment and a consultation letter from the doctor. The insurer pays for the angioplasty treatment for the Left Main Stem, Left Anterior Descending, Circumflex and Right Coronary Artery.

8. Bone Marrow or Organ Transplant

When a medical specialist confirms the transplant of either organ including heart, lung, liver, kidney and pancreas or bone marrow transplant by the process of haematopoietic stem cells.

9. CABG 

When a cardiologist confirms the open-heart surgery or correction of arteries the process is called coronary artery bypass graft (CABG). All these are covered by the critical illness plan.

10. Benign Brain Tumour

When a tumour in the brain causes neurological depletion due to surgery or by causing damage to the brain. If the tumour is life-threatening and has damaged the brain then the insurance plan covers the rest.

All these critical illness diseases are covered by health insurance companies, however, you must read the terms and conditions carefully. A critical illness health plan can be taken by paying a fixed premium and renewing it on time. The insurance company will assist in completing your treatment without any financial crisis and pay for all your medical bills and charges via cashless claim settlement. You can contact customer service or an insurance expert to know more details on diseases covered by the insurance policy.

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