What Does Critical Illness Insurance Cover? 
Critical Illness Insurance covers serious illnesses that have the potential to be life threatening . The main ones are heart attack , stroke , and cancer . If cancer is in very early stages , the policy might not cover it , or may cover it with a reduced benefit . Other illness that may or may not be covered by an individual plan are coronary bypass surgery , major organ transplant , Alzheimer 's Disease , blindness , deafness , Parkinson 's , Multiple Sclerosis , paralysis , and kidney failure . 