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Which Illnesses are Covered in a Critical Illness Insurance? – Credihealth Blog


The cost of medical care and hospitalization has been soaring for a decade. It can burn a hole in your pocket unless you have medical insurance. If you have a health insurance company by your side that agrees to take care of your medical expenses, then you will be able to save yourself from the financial burden and emotional trauma at the time of emergency. Especially for severe ailments, critical illness insurance enables appropriate care and significantly reduces the financial burden. 

As per the Global Burden of Disease Study[1], critical illnesses account for 60 percent of deaths in India. This is where critical illness insurance keeps you covered in serious health conditions such as stroke, kidney diseases, cancer, cardiovascular diseases, and many more. In the recent age, where many people succumb to serious diseases, it is imperative for you to have adequate medical coverage early in life since most insurance plans do not offer coverage for patients who are already diagnosed. 

Here we will learn about critical illness insurance and what are illnesses are covered in the same. 

What Is Critical Insurance?

Critical illness insurance is insurance offered in the conditions of serious illnesses that need urgent medical intervention. You can add critical insurance cover to your medical insurance plan easily. This way, during the treatment of serious and life-threatening ailments, you don’t have to worry about the medical expenses as the insurance company will pay on your behalf.  

Illnesses are Covered in a Critical Illness Insurance

Among the many, trusted and reputable insurance providers such as Care Insurance intend to provide maximum coverage at a minimum premium to their valuable customers. The insurance provider not only covers about 32 critical illnesses, but they also offer an easy and convenient claim settlement. 

Critical illness insurance is offered to an individual or family, and is extremely easy and quick to buy. It provides coverage to many critical illnesses, and the same will be detailed in the policy documents. Besides, it takes care of both the pre-hospitalization and post-hospitalization times. The policy may also offer more convenience to you by providing the things like organ donor cover and dialysis cover. 

Though the exact inclusions vary with the insurance provider, most of the times, the illnesses that are covered in the critical illness insurance policy include:

  • Alzheimer’s disease
  • Aortic surgery
  • Bacterial meningitis
  • Brain tumour
  • Blindness
  • Cancer 
  • Deafness
  • Major organ transplant
  • Major organ failure 
  • Motor neuron disease
  • Multiple sclerosis
  • Paralysis
  • Parkinson’s disease
  • Severe burns
  • Stroke 
  • Renal failure
  • Liver disease
  • Lung disease
  • Myocardial infarction
  • Pericardiectomy

You must also know what a critical illness insurance policy does not cover. Though a critical insurance plan has a wide ambit, covering most of the serious diseases, you must be aware of the exclusions as well. Some of the medical conditions that the policy does not cover may include:

  • If the patient has a self-inflicted injury by attempting to commit suicide.
  • The illness that results due to the consumption of alcohol or tobacco or cigarettes, etc.
  • Cosmetic and plastic surgery treatment is generally not covered by the critical illness insurance. 
  • The expenses made in the pregnancy are also not covered by many providers. 
  • In the unfortunate incident of miscarriage, the policy may not offer coverage. 
  • Many providers exclude the medical cover related to the conditions like childbirth, maternity including C- section, abortion, and other such complications. 
  • The diseases occurring as a result of the hazardous activities.
  • In case of the damages caused by a nuclear, chemical, or biological activity or weapons, the critical illness insurance policy may not hold good. 

Go For Critical Illness Insurance Cover!

With so many expenditures in your life such as school fees, car, and home EMI, credit card bills, etc., additional medical burdens may hassle you and take away your peace of mind. Critical ailments affect the person financially, physically, and mentally. The critical illness insurance policy will support you financially so that you can concentrate more on the medical treatment rather than arranging funds for the medical expenses.

Under a critical illness insurance plan, you may get a fixed sum of money or it may cover you on the basis of your medical expenses, upon the diagnosis of a critical ailment. The insurance companies ensure to provide timely claims so that you can go ahead and start the medical treatment quickly and efficiently. So, what are you waiting for? Get your critical illness insurance cover today! But, remember to go for a trusted insurance provider to steer clear of disappointments in the future. 

Care Health Insurance is one such reputable insurance provider, providing multiple valuable benefits with its critical illness insurance policy. Explore the features well before making the purchase.

Disclaimer: The statements, opinions, and data contained in these publications are solely those of the individual authors and contributors and not of Credihealth and the editor(s). 

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