• A major head trauma
• Muscle dystrophy
• Chronic persistent bone marrow failure which leads to anemia
• Benign brain tumor
• Encephalitis
• Poliomyelitis
• Bacterial meningitis due to an inflammation of brain membranes or the spinal cord
• Craniotomy or brain surgery
• Full-blown AIDS
• AIDS contracted by medical staff, where it is caused due to an injury or an exposure to the contaminated blood
• If the victim has contracted AIDS due to the blood transfusion when receiving infective blood
• The universal necrosis of the brain cortex or Apallic syndrome
• Various other serious coronary heart diseases are caused due to the narrowing of the lumen of the three major arteries- the Circumflex, RCA (right coronary artery), LAD (Left Anterior Descending artery.
The above-mentioned diseases fall under the category of critical illness insurance. If the person wants to claim this insurance, they should have their diseases verified with blood tests, MRI, or a CT scan as per the requirement. It must be done under the supervision of a certified medical professional. With all these procedures, the factor of transparency is a must. Wherein, it is essential to disclose any existing illness, deficiency, or disorder that the person might be suffering from during that time period.