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Know All About 36 Critical Illnesses & Their Treatment Costs Under One Roof!

May 04, 2020 | 2 months ago | Read Time: 3 minutes | By iKnowledge Team

Insurance covers, especially critical illness policies, protect your finances in case of a life-threatening disease. There is a catalogue of health problems that are covered by such policies.

Critical Illness Cover

Here is a detailed list of critical illnesses clubbed into separate categories for better understanding:

a) Heart-related

  1. Heart Attack
  2. Coronary Artery Disease Requiring Surgery
  3. Primary Pulmonary Arterial Hypertension
  4. Other Serious Coronary Artery Disease
  5. Heart Valve Replacement
  6. Surgery to Aorta
  7. Heart Transplant

b) Brain-related

  1. Benign Brain Tumor
  2. Brain Surgery
  3. Coma
  4. Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders
  5. Major Head Trauma
  6. Parkinson’s Disease
  7. Encephalitis
  8. Bacterial Meningitis
  9. Apallic Syndrome

c) AIDS-related

  1. AIDS Cover of Medical Staff
  2. AIDS Due To Blood Transfusion

d) Liver-related

  1. Fulminant Viral Hepatitis
  2. Chronic Liver Disease
  3. Liver Transplant

e) Lung-related

  1. Chronic Lung Disease
  2. Lung Transplant

f) Other

  1. Stroke
  2. Cancer Of Specific Severity
  3. Kidney Failure
  4. Major Organ Transplant involving:

a) Kidney
b) Bone Marrow

  1. Paralysis / Paraplegia
  2. Multiple Sclerosis
  3. Blindness
  4. Loss Of Hearing / Deafness
  5. Loss of Speech
  6. Major Burns
  7. Terminal Illness
  8. Aplastic Anaemia
  9. Muscular Dystrophy
  10. Poliomyelitis

Some of the above illnesses do not have a permanent cure or solution. A few of them like kidney failure, organ transplant, and heart problems can be treated but their treatment cost can go very high.

Critical Illnesses

Treatment cost

You must be aware of the treatment cost of some illnesses. For example, a chemotherapy session can cost you about Rs 1 lakh per session. The entire cost of treating cancer can go as high as Rs 20 lakh. The average treatment cost in India for other ailments is as follows:

1) Heart surgery: Rs 4.08 lakhs*

2) Brain surgery: Rs 5.38 lakhs*

3) Liver resection: Rs 3.12 lakhs*

Once you add up medicine cost, pre-hospitalisation, and post-hospitalisation expense, the total treatment cost can go even higher. Sometimes, the expenses can erode all your savings in a short span of time. Moreover, medical expenses keep rising every year. So, you need an insurance to cover the treatment cost.  Make sure to go through the policy coverage before purchasing a policy.


The insurer will provide you with a list of critical illnesses that are covered under the policy. It is necessary to go through the list before you purchase the policy as some diseases may not be covered.

Some insurers offer a term insurance with a critical illness benefit. The premium is slightly higher than a pure term insurance plan due to higher protection. So, there is no need to purchase a separate health insurance or a critical illness plan. For example, Aegon Life offers a term insurance plan known as the iTerm Plus Plan with critical illness benefits. The insurer pays the sum assured to your family in the event of death. You also get a pre-defined amount when diagnosed with a critical illness covered by Aegon Life. Further, all your future policy premiums are waived.


It is very important to be aware of all the critical illnesses along with their treatment cost. Sometimes, you may spend entire savings to treat these critical illnesses. An insurance cover with critical illness benefit can give additional protection against their rising treatment cost. Ensure that you read the critical illnesses covered under the policy before purchase.

If you are worried about the well-being of your loved ones, a health insurance plan and a life insurance policy such as Aegon Life iTerm or iMax plan will provide you with the much needed peace of mind.

*Note: All costs are subject to change and may depend on the course of treatment you opt for. Check with your insurance provider or medical centre before proceeding.

Advt. no.: IA/MAY 2018/3994


iTerm Plan

Life Insurance Plan with 3 Options to Choose from

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iTerm Plus Plan

Life Insurance Plan with 4 Options to Choose from

  • Life Plan
  • Life Plus Plan
  • Life & Health Plan (10 Critical Illnesses covered)
  • Life & Health Plus Plan (36 Critical Illnesses covered)
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