Any condition or disease that is fatal and life-threatening could be categorized as a critical illness by health insurers. However different insurance companies use different classification criteria to determine and categorize critical ailments, and the only way to know if an illness is in fact deemed “critical” is to actually check the list provided by the insurer in the form of a policy wording.
The coverage and benefits provided under critical illness coverage can vary depending on the insurer and policy terms. Some policies may cover a limited number of critical illnesses, while others may cover a broader range of conditions. Additionally, the coverage amount and premium may vary depending on the policyholder's age, health, and other factors.
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