Detailed Description of critical illness covered under LIC Jeevan Shiromani

Last Updated: Feb 24, 2022 | 3,571 Views
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


Deepak Yohannan
Deepak Yohannan is the CEO of MyInsuranceClub. He enjoys writing on Personal Finance and contributes regularly on sites like Reuters & Moneycontrol. He is a strong proponent of online insurance and is often found pointlessly babbling about it!