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The Following Is A List Of Diseases That Are Covered By Our Medical Insurance.

Published On May 11, 2022 10:00 AM By InsuranceDekho

Health Insurance plans cover numerous diseases and provide coverage for hospitalization expenses, ambulance charges, critical illnesses, advanced technology treatment, OPD treatment, domiciliary hospitalization, etc. They offer customized plans to cover you against diseases, such as cancer, high blood pressure, diabetes, etc.

The plans come with a wide range of sum insured options ranging up to Rs 1 Crore and are available for individuals, families, senior citizens as well as pregnant women. 

The Following Is A List Of Diseases That Are Covered By Our Medical Insurance.

List of Diseases Covered under Health Insurance

Let us have a look at what are the 36 critical illnesses that almost every critical illness plan offers cover for-

1. Heart attack
2. Heart valve replacement due to defects or abnormalities
3. Coronary artery diseases requiring a 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. Anaemia 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 are 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


These are the most common types of illnesses that are taken care of under critical illness insurance. These disorders themselves might have several subtypes and derivatives. Your bank or financial advisor will provide you with all the details according to the critical illness plan that you choose.

Also read- How Can Senior Citizens Save Money On Taxes By Deducting Medical Bills Under Section 80D?

Choosing A Health Insurance Plan For Your Family



This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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