{"id":1598,"date":"2021-06-27T18:26:37","date_gmt":"2021-06-27T18:26:37","guid":{"rendered":"https:\/\/www.digestmagzine.com\/?p=1598"},"modified":"2022-12-05T18:25:55","modified_gmt":"2022-12-05T18:25:55","slug":"a-detailed-look-at-the-coverage-of-a-critical-illness-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.digestmagzine.com\/a-detailed-look-at-the-coverage-of-a-critical-illness-insurance-policy\/","title":{"rendered":"A Detailed Look At The Coverage Of A Critical Illness Insurance Policy"},"content":{"rendered":"
When an individual is diagnosed with a critical illness, they require support on several levels. While their loved ones can provide emotional aid and mental strength, the financial aspect can be taken care of with diligent planning and investing. Critical illness insurance plans are designed for this very purpose. However, many people tend to think that critical illness insurance plans only cover a few illnesses. Misconceptions like these are widespread. In this article, we clear the air and give you a detailed look at the coverage of a <\/span>critical illness insurance<\/b><\/a> policy. <\/span><\/p>\n Critical illness insurance coverage can be broadly divided into three categories:<\/span><\/p>\n Critical illness insurance plans are known to cover illnesses such as cancer of specified severity, kidney failure, multiple sclerosis, motor neuron diseases, end-stage lung failure and liver failure, benign brain tumour, primary pulmonary hypertension, and Parkinson\u2019s disease, among others. <\/span><\/p>\n While the hospitalisation expenses for some of these illnesses may be covered by a medical insurance plan, it may not prove to be enough for all costs that arise. You can use the critical illness payout for any shortage you face in your <\/span>medical insurance plan<\/b><\/a>, or to meet other expenses like your home rent. <\/span><\/p>\n It is to be noted that the coverage of each illness may have conditions depending on the insurer. Most insurers do not cover skin cancer or thyroid cancers. Cancer coverage also depends on the severity; certain stages may not be covered or the percentage of the sum insured given may differ as per the stage. Illnesses such as multiple sclerosis and motor neuron disease may be covered only if the symptoms are persisting and permanent respectively. <\/span><\/p>\n Yes, critical illness insurance policies cover several surgeries and medical procedures as well. Though this, too, may differ from insurer to insurer, the surgeries majorly covered include organ transplant, open heart replacement, surgery for the repair of heart valves, open chest CABG, human bone marrow transplant, and surgery of aorta. <\/span><\/p>\n Organs such as the heart, lungs, liver, kidneys, and the pancreas, come under the purview of \u2018organ transplant\u2019. <\/span><\/p>\n\n
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