Detailed Description of critical illness covered under LIC Jeevan Shiromani

Cancer of Specified Severity – Includes- leukemia, lymphoma and sarcoma. Excludes- tumors carcinoma in situ, benign, pre-malignant, non melanoma skin carcinoma, prostate tumors unless having gleason score > 6, thyroid cancers classified as T1N0M0, lymphocytic leukaemia < RAI 3,Non invasive bladder papillary cancer classified as T1N0MO, all tumors in presence of HIV.

Open Chest CABG – Excludes – Angioplasty and/or other intra arterial procedures.

Myocardial Infarction (First heart attack of specified severity) – Excludes Other coronary syndrome,angina pectoris, rise in cardio biomarkers or Troponin T.

Kidney failure with regular dialysis – Should be irreversible failure of both kidneys

Major organ/Bone marrow Transplant recipient – Includes – Heart, lung, liver, kidney, pancreas which has irreversible end stage failure, Human bone marrow using haematopoietic stem cells.Excludes – Other stem cell transplants.

Stroke resulting in permanent symptom – Excludes – Transient ischemic attacks, traumatic injury of the brain, vascular disease affecting only the eye or optic nerve or vestibular functions.

Permanent Paralysis of Limb – Loss of two limbs as a result of injury or disease or brain or spinal cord. Present for more than 3 months.

Multiple sclerosis with permanent symptom – Excludes – SLE & HIV

Aortic Surgery – Aorta means Thoracic and Abdominal Aorta. Excludes – Minimally invasive or intra arterial techniques.

Primary (idiopathic) Pulmonary Hypertension – Excludes – Pulmonary hypertension associated with lung disease, hypoventilation,thromboembolic disease, drugs and toxins diseases of left side of hear, congenital heart disease.

Alzheimer's Disease / Dementia – Excludes – Non organic disease such as Neurosis, psychiatric illness, alcohol related brain damage.

Blindness – Loss of vision in both eyes due to accident or illness not correctable by aids or surgical procedure

Third degree burns – 20 % of body scarring needed.
Open Heart Replacement or repair of heart valve

Benign Brain tumor – Excludes- Cysts, Granulomas, Malformation of arteries or veins of brain, Hematomas, abscesses, pituitary tumors, tumors of skull bones, tumors of spinal cord.

Read the detailed review of LIC Jeevan Shiromani Plan