Critical Illness Coverage 36 Covered Conditions

Our critical illness plan provides a lumpsum benefit when you are diagnosed with one of the listed conditions. The payment can be used for medical expenses, lifestyle adjustments, or any other need during recovery. Below is a concise overview of each covered illness, key signs to watch for, and why early detection matters.

List of Covered Critical Illnesses

• Acute Myocardial Infarction (Heart Attack)
• Coronary Artery Bypass Graft (CABG) Surgery
• Angina Requiring Revascularisation
• Stroke (Cerebrovascular Accident)
• Transient Ischaemic Attack (TIA)
• Congestive Heart Failure (CHF)
• Cardiomyopathy
• Peripheral Vascular Disease (PVD)
• Kidney Failure Requiring Dialysis
• Kidney Transplant
• Liver Failure Requiring Transplant
• Primary Liver Cancer (Hepatocellular Carcinoma)
• Pancreatic Cancer
• Stomach (Gastric) Cancer
• Colon Cancer
• Esophageal Cancer
• Lung Cancer
• Breast Cancer
• Cervical Cancer
• Prostate Cancer
• Leukemia
• Lymphoma
• Multiple Myeloma
• Brain Tumour (Malignant)
• Ovarian Cancer
• Uterine Cancer
• Thyroid Cancer (Malignant)
• Head & Neck Cancer
• Multiple Sclerosis (MS)
• Parkinsons Disease (Advanced)
• Alzheimers Disease (Advanced)
• Motor Neurone Disease (Amyotrophic Lateral Sclerosis)
• Severe Chronic Obstructive Pulmonary Disease (COPD)
• Severe Asthma Requiring Hospitalisation
• Blindness (Vision loss of 100% in either eye)
• Deafness (Loss of 100% hearing in either ear)
• Severe Burns (Seconddegree covering >30% of body surface)

Why These Conditions Matter

Critical illnesses often lead to sudden, substantial medical costs and can impact your ability to work. By receiving a predefined benefit at diagnosis, you gain financial flexibility to:

• Cover hospitalisation, surgery, and medication expenses not fully reimbursed by health insurance.
• Pay for specialised rehabilitation or homecare services.
• Adapt your living environment (e.g., wheelchair ramps, assistive devices).
• Offset loss of income while you focus on recovery.

Key Points to Remember

• Diagnosis Confirmation: A qualified medical practitioner must provide a formal diagnosis that meets the policys definition.
• Exclusions: Preexisting conditions, selfinflicted injuries, and illnesses arising from substance abuse are generally excluded.
• Waiting Period: A standard waiting period (often 3090 days) applies before the benefit can be claimed.
• Survival Clause: Most policies require the insured to survive a minimum period (typically 30 days) after diagnosis to receive the payout.
• Renewability: The plan can be renewed annually without medical underwriting, subject to age limits.

How to Make a Claim

1. Notify the insurer as soon as a covered diagnosis is confirmed.
2. Submit the required documents: medical reports, physicians statement, hospital discharge summary, and a completed claim form.
3. Maintain copies of all submissions for your records.
4. The insurer typically processes a straightforward claim within 1530 days.

Choosing a critical illness plan that covers a broad spectrum of conditions can give you peace of mind, knowing that you have a safety net for some of the most serious health challenges. Review the specific policy wording to understand definitions, exclusions, and claim procedures.