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Detailed Description of critical illness covered under LIC Jeevan Shiromani

Detailed Description of critical illness covered under LIC Jeevan Shiromani

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Last Updated - May 12, 2023
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Cancer of Specified Severity – Includes- leukemia, lymphoma, and sarcoma. Excludes- tumors carcinoma in situ, benign, pre-malignant, nonmelanoma skin carcinoma, prostate tumors unless having Gleason score > 6, thyroid cancers classified as T1N0M0, lymphocytic leukemia < RAI 3, Noninvasive 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 another coronary syndrome, angina pectoris, rise in cardio biomarkers, or Troponin T.

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

Major organ/Bone marrow Transplant recipient – Includes – Heart, lung, liver, kidney, and pancreas which has irreversible end-stage failure, Human bone marrow using hematopoietic 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 symptoms – 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 the left side of the heart, and congenital heart disease.

Alzheimer’s Disease / Dementia – Excludes – Non-organic diseases such as Neurosis, psychiatric illness, and 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 the brain, Hematomas, abscesses, pituitary tumors, tumors of skull bones, and tumors of the spinal cord.

Read the detailed review of LIC Jeevan Shiromani Plan

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Jay Vasa is a content writer, who has got his core emphasis on insurance related information. The sole motive of writing articles is to spread appropriate information to the people regarding one of the important and discussed topic in today's time.