What illnesses are usually covered under critical illness cover?
1. Cancer: This refers to various malignant tumors that begin in the body. It can affect different parts and tissues, including organs such as the lungs, colon, breast, prostate, and more.
2. Heart Attack (Myocardial Infarction): A condition where blood flow decreases or stops to the heart, resulting in damage to the heart's muscle. It usually happens when a blood clot blocks an artery in the heart.
3. Stroke: A medical emergency that occurs when the blood supply to a part of the brain is blocked or reduced, leading to brain damage. It can be hemorrhagic (due to bleeding in the brain) or ischemic (caused by lack of blood flow).
4. Kidney Failure (End-Stage Renal Disease): A condition in which the kidneys are no longer able to effectively filter waste products and excess fluid from the body.
5. Major Organ Transplants: These include organ transplants such as heart transplant, lung transplant, liver transplant, and kidney transplant.
6. Multiple Sclerosis (MS): A chronic neurological condition that affects the brain, spinal cord, and optic nerves.
7. Paralysis: A loss or impairment of muscle function in a part of the body, often resulting from damage to the nerves or the brain.
8. Parkinson's Disease: A degenerative brain disorder that affects movement, balance, and coordination.
9. Alzheimer's Disease: An irreversible, progressive brain disorder that leads to memory loss and cognitive decline.
10. Motor Neuron Diseases (MNDs) or Amyotrophic Lateral Sclerosis (ALS): A group of diseases that damage motor neurons, the nerve cells responsible for controlling muscle movement.
11. Blindness: A complete loss of vision, usually in both eyes, which cannot be corrected by regular eyeglasses, surgery, or medication.
12. Deafness: A significant impairment of hearing in both ears that cannot be corrected with a hearing aid.
13. Coma: An extended state of unconsciousness, where the person is unresponsive to stimuli and cannot be woken up.
14. Permanent or Severe Disability: This refers to a loss of functional ability or incapacity to perform certain tasks or activities as a result of an illness or accident, which has a long-term or permanent impact.
It's important to note that the exact illnesses and conditions covered under critical illness cover can vary depending on the specific policy and the insurance company providing it. It's essential to carefully read the policy document to understand the coverage details, including the list of critical illnesses, any exclusions, and other terms and conditions.