What Is Covered Under Critical Illness Insurance? 
Stroke , heart attack and certain types and stages of cancer are standard conditions covered by critical illness insurance . Individual policies will specify the conditions that they cover , and can include : major organ transplants , loss of hearing or sight or speech , coronary artery angioplasty or bypass , paralysis , persistent vegetative state , Parkinson 's , Alzheimers , kidney failure , MS , CF , MD , severe burns or some other health conditions . Some policies will also pay a partial benefit for less serious health conditions . 