Critical Illness Insurance Term

In simple words, critical illnesses are relatively serious forms of illnesses which are more difficult to treat and require more time to treat.The federation of Indian Chamber of Commerce and Industry (FICCI) lists the following illnesses as critical illnesses: cancer, heart attack, coronary bypass surgery, heart valve repair or replacement, coma, kidney failure requiring regular dialysis, stroke resulting in permanent symptoms, major organ or bone marrow transplants, permanent paralysis of limbs, motor neurone disease and multiple sclerosis with persisting symptoms.