List Of Ailments Covered Under Critical Illness Insurance
Tags: criticalhealthinsurance, medicalinsurance
Published: 2024-02-05 04:04:19

Besides general insurance, [medical insurance](https://www.reliancegeneral.co.in/insurance/health-insurance/health-insurance-plan.aspx) has also become a non-negotiable need in today’s world. It provides financial protection for adequate and timely treatment of various emergency illnesses. Nevertheless, life-threatening illnesses and diseases that are potent enough to disable one’s lifestyle are on a steep rise today. 
Now, while basic health coverage provides comprehensive protection against various conditions, many health criticalities remain out of their ambit. A critical illness policy bridges this gap, thus ensuring a wide umbrella of healthcare coverage against various life-threatening illnesses.
Critical illness covers provide much-needed financial cushioning to individuals, ensuring that they meet the rising healthcare expenses arising from the treatment of specified conditions. The increasing cost of new-age treatments required to treat various healthcare complications can be well hedged off with the help of a suitable [critical health insurance](https://www.reliancegeneral.co.in/insurance/health-insurance/critical-illness-insurance.aspx) plan. 
Let’s take a look at the list of ailments that are covered under this policy type.
Critical Illness Insurance: List of Ailments Identified for Policy Coverage
As a part of general insurance, a critical illness plan is offered by numerous insurance providers. While under a basic health cover, you can get reimbursements for the likes of hospitalisation costs, the coverage is very targeted and leaves the individual with no funding for many other expenses that may emerge from the treatment of various critical illnesses requiring additional assistance. Thus, a critical health insurance plan provides lump sum coverage over and above such generic expenses that one may encounter. 
Also, the ailments covered under these policies are of a much more severe nature than under basic health insurance. These ailments are mostly severe and chronic in nature and life-altering, requiring huge expenses for treatment.
While the coverage for different ailments can vary from one policy and insurer to another, the following are some common ailments covered under a critical illness policy.
a.	Repair/replacement of heart valve
b.	Transplant of major organ/s
c.	Renal diseases in their last stages require frequent dialysis appointments
d.	Different types of cancers
e.	Multiple sclerosis
f.	Surgery for Aorta grafting
g.	Coma Quadriplegia
h.	Certain specified coma severities
i.	Burns of third degree
j.	Complete blindness in one or both eyes
While the increasing lifestyle complications have put all people in the risk zone for developing or contracting such critical illnesses, some people remain in high-risk categories than others. Thus, it can be useful to identify the groups of individuals for whom a critical health insurance policy would be more reasonable, beneficial, and rewarding than others. Here’s a look.
1.	Individuals with a history of critical illness
An individual who is related to a history of critical illness, whether for the self or in the family, stands a high risk of developing such illnesses. In such cases, their physical disposition makes them more susceptible to developing these diseases than others.
2.	Individuals over 40 to 50 years of age marks
Also, people who cross the age mark of 40 to 50 years can be considered as high-risk categories for developing various critical illnesses, especially the likes of cardiovascular, renal, diseases, or cancer of any type. This can be specifically said for two reasons. One, the modern lifestyle subjects them to such risks. And two, their advancing age and declining health make their bodies susceptible to such illnesses. As such, critical illness coverage is more suitable for them than others.
3.	Sole earners of the family
Lastly, a sole bread earner for the family may have no physical or historical disadvantage for developing these diseases. However, their coverage is essential to ensure the necessary treatment is provided when needed and the loved ones are taken care of.
When at it, one also benefits from knowing the exclusions to these policies. It shall help with better financial preparations for health conditions or medical procedures needed but not covered under critical illness coverage of any kind. Below is the list of exclusions you must check.

●	Complications surfacing during the policy waiting period

●	Congenital disorders

●	HIV/AIDS

●	Result of substance abuse

●	Illness through terrorism/war

●	Childbirth/pregnancy complications

●	Dental care

●	Cosmetic surgeries

●	Treatments for hormone replacement

It is also essential to note that you can make a coverage claim under a critical illness policy only within the specified geographical boundary of India. Any treatments that have been availed for even the covered complications outside the country remain excluded from these policies. Due to the increasing risks of a sedentary lifestyle, critical illness covers provide much-needed financial protection preemptively and ensure peace of mind.