What Is Covered With Critical Illness Insurance? 
What is covered with critical illness insurance is spelled out in each policy , and differs from company to company . The basic critical illnesses are stroke , heart attack and some types of cancer . The cancer is usually the more serious kind , although some policies will pay a partial benefit for milder types of cancer . Some other critical illnesses that may be covered are organ transplant , Parkinson 's , Alzheimer 's , kidney failure , coronary bypass , blindness , deafness , or paralysis . 