The specific illnesses covered may vary depending on the insurance policy and provider. However, common illnesses that may be covered include:
Critical illnesses: Such as heart attack, stroke, cancer, organ transplant, kidney failure, paralysis, and major organ failure.
Chronic illnesses: Including multiple sclerosis, Alzheimer’s disease, Parkinson’s disease, and certain types of heart disease.
Terminal illnesses: Diagnoses that give the policyholder a limited life expectancy, usually defined as 12 to 24 months.