Critical illness plans offer extensive coverage for some critical ailments, unlike general health insurance. If you want to get the best critical illness policy, you must know what illnesses most of these insurances cover and what they do not. It will help you to be prepared for the future.
Keep reading; here, we will tell you some of the critical illnesses that most critical health insurances cover.
Common critical illnesses
Following are some of the common critical illnesses most critical illness plans cover-
1. Cancer
Cancer is one of the world’s most critical and life-threatening diseases and requires various expensive treatments like chemotherapy, radiotherapy, immunotherapy, cell transplant therapy, etc. And critical illness insurance offers extensive medical coverage for this illness.
2. Heart attack
A critical illness health insurance plan also covers heart attacks. Heart attack is also a debilitating illness that can affect an individual’s physical, mental and financial condition.
3. Heart valve replacement
Heart valve replacement also falls under critical illness insurance coverage. A critical illness plan can cover heart valve replacement due to abnormalities and defects.
4. Stroke
Stroke can occur anytime, and anyone can fall prey to this fatal illness, especially older adults. And if you have a critical illness plan, you can get all your healthcare services covered under the scheme.
5. Kidney failure
Kidney diseases, including Kidney failure, can become fatal for an individual. Thus, a critical illness plan also covers it. And if you have a critical illness plan, you will get covered for all your medical expenses to treat the diseases.
6. Coronary artery diseases
Coronary artery disease is also a common heart-related disease that mostly affects adults and older people. However, it can also occur in young, and a critical illness plan can cover the medical expenses of coronary artery diseases.
7. Paralysis
Paralysis can occur due to major shock, stroke or accident-related issues that affect the workability of the individual. The recovery treatment for paralysis is expensive, and recovery time is also long.
8. Major organ transplant
A critical illness plan also covers major body organ transplant operations like heart, kidney, lung, bone marrow, etc. These transplants take a long time to recover and are expensive, so having the best critical illness insurance can be beneficial.
9. Alzheimer’s
Alzheimer’s is also a common illness, especially in older adults, that affects the memory and workability of a person and creates hurdles in living a normal life.
10. Primary pulmonary Arterial Hypertension
Primary pulmonary arterial hypertension is also a common disease affecting the heart’s and lung’s normal function and potentially becoming fatal. Treating PPAH, or primary pulmonary arterial hypertension, is costly, and a critical illness plan offered by healthcare solutions can effectively help cover the treatment expenses.
11. Deafness
Deafness, both permanent and total, fall under the coverage of a critical illness plan.
12. Blindness
Permanent blindness and complete blindness are both covered by critical illness health insurance schemes.
13. Terminal illness
Terminal illnesses are also known as a chronic or long-term illness that takes a longer time to recover and affects the normal working ability of the individual. Therefore, a critical illness scheme also covers such terminal illnesses and provides a lump sum to the insurer to tackle the household and medical expenses.
Others
- Third-degree burns
- Chronic Lung disease
- Chronic motor neuron disease
- Chronic liver disease
- Coma
- Parkinson’s disease
- Fulminant viral Hepatitis
- Benign brain tumour
- Poliomyelitis
- Bacterial meningitis
- AIDS
- Encephalitis
- Craniotomy
- Apallic syndrome
- Other coronary diseases
- Muscular dystrophy
Conclusion
A critical illness plan offered by a healthcare company serves as a financial boon and provides extensive coverage for various debilitating illnesses. Here we have listed some of the common critical illnesses critical illness schemes include. And at LivLong, you can get India’s best critical illness cover.
