What Is Covered Under Critical Illness Insurance? 
Critical Illness Insurance covers three basic conditions : heart attack , stroke , and some types of cancer . Depending on the features of the policy , critical illness insurance can also cover heart transplant , coronary bypass surgery , angioplasty , kidney failure , major organ transplant , paralysis , Alzheimer 's disease , deafness , blindness , MS , HIV/AID contracted through a medical procedure , Parkinson 's disease , or a terminal illness . 