What Conditions does Critical Illness Insurance Cover?
Critical illness life insurance is a type of medical insurance cover where the person insured is usually paid a lump sum' if and when it is diagnosed that the person covered under the policy is suffering from a critical illness. It may be a serious illness or a disabling injury. The amount covered under this policy is usually payable to the insured person' who is free to choose how to spend the money. The insured and his family have the freedom to decide on the type of treatment. Another feature of this insurance policy is that the money received can be used for other purposes such as living expenses' family health care' travel' and college education. Therefore' it can be a great relief to the insured and his family at the time of a critical illness.
To know that a person is having a dreaded disease can be a saddening and terrifying experience to the patient' as well as his loved ones. At such a stressful time' to have a 
critical illness cover can be a great consolation. It will enable the insured person to obtain the required treatment without looking for finances from other sources. It will also help the family to spend time with the patient and to focus attention on his recovery as the cash necessary for the treatment is already available.
The type of diseases covered by critical illness life insurance policies differs from company to company. The following diseases or conditions are usually covered:
• Alzheimer’s disease
• Blindness
• Cancer
• Heart attack
• Kidney failure
• Loss of limbs
• Multiple sclerosis
• Organ transplants
• Paralysis
• Stroke
• Quadriplegia
In some policies there may be provision to make payment on claims according to the degree of severity of the disease. Also' payments may not be made for diseases which are easily curable. For instance' a payment may not be made for certain types of cancer which are treatable.
Insurance companies usually issue critical illness life policies after conducting comprehensive medical tests. The individual’s medical history and family health records are also checked. A policy will not be sold to a person who is already having even a trace of the diseases which are considered to be critical illnesses.
An insurance company usually conducts comprehensive medical tests of the applicant before confirming the critical illness insurance policy. Factors that are checked include the individual’s health record and family’s medical history. The insurance company can reject the application in case the individual does not disclose correct personal information or family’s medical record.
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