A critical illness policy provides financial protection against life-threatening diseases and offers greater payouts than traditional health insurance, which can be used for various expenses. The document outlines a comprehensive list of critical illnesses covered, including heart attack, cancer, stroke, paralysis, and several degenerative conditions. This insurance is crucial for managing the financial impact of severe health conditions.

1. Critical illness

2. What is meant by critical illness ?
• A critical illness policy is a stand-alone financial strategy that can help
you protect yourself from potential life-threatening illnesses,
conditions, and disorders.
• In contrast to health insurance, critical illness insurance often offers a
far better payout that can be applied anyway you see fit, including for
daily expenses or medical costs.

3. Critical illness list :
1. Heart attack
2. Heart valve replacement due to defects or
abnormalities
3. Coronary artery diseases requiring bypass or
other surgery
4. Aorta surgery via thoracotomy or laparotomy
5. Stroke
6. Cancer
7. Kidney failure
8. Fulminant viral Hepatitis or massive necrosis of liver
caused by a virus which can lead to liver failure
9. Major organ transplant including Kidney, Lungs, Liver,
Heart and Bone marrow
10. Paralysis or Paraplegia including the complete and
permanent loss of one or all of the limbs
11. Multiple sclerosis
12. Primary pulmonary Arterial Hypertension
13. Total and/or permanent blindness
14. Total and/or permanent deafness
15. Total and/or permanent loss of speech
16. Alzheimer’s disease or other degenerative brain
disorder
17. Parkinson’s disease
18. Coma
19. Third-degree burns covering at least 20% of the
surface area of the body
20. Terminal illness
21. Motor neuron disease
22. Chronic liver disease
23. Chronic lung disease
24. Major head trauma
25. Anemia due to chronic persistent bone marrow
failure
26. Muscular dystrophy
27. Benign brain tumour
28. Encephalitis
29. Poliomyelitis
30. Bacterial meningitis due to inflammation of brain
membranes or spinal cord
31. Brain surgery (Craniotomy)
32. Other serious coronary heart diseases caused due
to narrowing of the lumen of the three major arteries-
the Circumflex, right coronary artery (RCA), and Left
Anterior Descending Artery (LAD).
33. Apallic syndrome or the Universal necrosis of the
brain cortex
34. AIDS contracted by medical staff, in case it is
caused due to injury or exposure to contaminated blood
35. AIDS due to blood transfusion in case the victim has
contracted it due to receiving infected blood.
36. Full-blown AIDS

4. Thank You