Cancer, heart attack, stroke and other conditions.
Cancer, heart attacks and strokes are the most commonly covered conditions. There are also policies that cover medical emergencies like appendicitis, loss of limbs and blindness. The following is a list of some examples of conditions that will qualify you for benefits under one critical illness insurance policy or another:
- Cancer
- Heart Attack
- Stroke
- Kidney Failure
- Parkinson’s Disease
- Major Organ Transplantation
- Blindness/Deafness (Caused by an Injury)
It’s important to be aware that not every disease is covered. For example, AIDS or HIV-related illnesses are never covered. Some chronic illnesses may also not be covered in certain circumstances. It’s best to check with your provider before purchasing a policy if you have a particular condition you’re concerned about
Critical illness insurance to help you pay for expenses related to your care.
Critical illness insurance policies pay out a lump sum to you if you become severely ill. You can use this money to pay for expenses related to your care, such as:
- Medical bills
- Rehabilitation
- Home health care
- And more! (Talk with your insurance agent about exactly what your policy covers.) You may also be able to use it cover other expenses, like a mortgage payment or rent, so you can focus on getting better.
What if I am diagnosed with a critical illness that isn’t covered?
If you are diagnosed with a condition that is not covered by your critical illness insurance policy, we would be sorry to hear it. We recommend you get a second opinion, or talk to your doctor about whether there is anything else you can do. You could also request a review to see if we might consider adding that condition to the list of covered illnesses. If so, we will review this again in six months. Until then, there is no need for you to reapply for coverage.
Many serious conditions can qualify for insurance coverage.
Common critical illnesses that qualify for coverage include the following:
- Cancer
- Heart attack
- Stroke
- Multiple sclerosis
- Paralysis
- Blindness
- Kidney failure requiring dialysis or transplantation
- Major organ transplant (e.g., lung, heart, liver, and kidney)
- Benign brain tumor (on or off the brain stem)
Some companies also cover coronary artery bypass surgery, heart valve replacement or repair, major organ failure and coma.