36 Penyakit Kritikal

36 sakit kritikal.

Dalam industri insuran & takaful ni ada 36 jenis sakit kritikal yang telah di kategorikan oleh Kerajaan Malaysia & Bank Negara. Yang mana apa bila pencarum insuran & takaful terkena salah satu daripada 36 jenis penyakit ni. Mereka layak untuk mendapat wang pampasan sebagaimana yang mereka carumkan dahulu dan tertulis di dalam buku polisi mereka.

 

  1. Alzheimer’s Disease or Severe Dementia – Deterioration or loss of intellectual capacity arising from Alzheimer’s Disease or Severe Dementia as a result of irreversible organic brain disorders.
  2. Angioplasty and other invasive treatments for coronary artery disease
    – Coronary Artery Balloon Angioplasty, urethrectomy, laser treatment or the insertion of a stent to correct a narrowing or blockage.
  3. Bacterial meningitis
    – resulting in permanent inability to perform Activities of Daily Living
  4. Benign Brain Tumor
    – A benign tumour in the brain or meninges within the skull.
  5. Blindness
    – Permanent and irreversible loss of sight as a result of accident or illness.
  6. Brain Surgery
    – The actual undergoing of surgery to the brain under general anaesthesia during which a craniotomy (surgical opening of skull) is performed.
  7. Cancer
    – Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue.
  8. Cardiomyopathy
    – diagnosis of cardiomyopathy by a cardiologist which results in permanent impaired ventricular function and resulting in permanent physical impairment.
  9. Chronic Aplastic Anaemia
    – Irreversible permanent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia
  10. Coma
    – resulting in permanent neurological deficit with persisting clinical symptoms
  11. Coronary Artery By-Pass Surgery
    – Actual undergoing of open-chest surgery to correct or treat Coronary Artery Disease (CAD) by way of coronary artery by-pass grafting.
  12. Deafness
    – Permanent and irreversible loss of hearing as a result of accident or illness.
  13. Encephalitis
    – Severe inflammation of brain substance resulting in permanent inability to perform activities of daily living
  14. End-Stage Liver Failure
    – evidenced by permanent jaundice; ascites (excessive fluid in peritoneal cavity); and/or hepatic encephalopathy.
  15. End-Stage Lung Disease
    – End-stage lung disease causing chronic respiratory failure.
  16. Full Blown AIDS
    – must be supported by the results of a positive HIV (Human Immuno-Deficiency Virus) antibody test and a confirmatory test.
  17. Fulminant Viral Hepatitis
    – A sub-massive to massive necrosis (death of liver tissue) caused by any virus.
  18. Heart Attack
    – Death of heart muscle, due to inadequate blood supply.
  19. Heart Valve Surgery
    – The actual undergoing of open-heart surgery to replace or repair cardiac valves as a consequences of heart valve defects or abnormalities.
  20. HIV Infection Due to Blood Transfusion
    – Infection with the Human Immuno-Deficiency Virus (HIV) through a blood transfusion.
  21. Kidney failure
    – End-stage kidney failure presenting as chronic irreversible failure of both kidneys to function requiring dialysis or kidney transplant.
  22. Loss of Independent Existence
    – Confirmation by an appropriate specialist of the loss of independent existence and resulting in a permanent inability.
  23. Loss of Speech – Total, permanent and irreversible loss of the ability to speak as a result of injury or illness.
  24. Major Head Trauma – resulting in permanent inability to perform Activities of Daily Living.
  25. Major Organ / Bone Marrow Transplant – The receipt of a transplant of Human bone marrow, heart, lung, liver, kidney, pancreas as a result of irreversible end-stage failure of the relevant organ.
  26. Medullary Cystic Disease – A progressive hereditary disease of the kidneys characterized by the presence of cysts in the medulla, tubular atrophy and interstitial fibrosis with the clinical manifestations of anaemia, polyuria and renal loss of sodium, progressing to chronic kidney failure.
  27. Motor Neurone Disease – permanent neurological deficit with persisting clinical symptoms.
  28. Multiple Sclerosis – A definite diagnosis of multiple sclerosis by a neurologist.
  29. Paralysis of Limbs – Total, permanent and irreversible loss of use of both arms or both legs, or of one arm and one leg, through paralysis caused by illness or injury.
  30. Parkinson’s Disease – resulting in permanent inability to perform Activities of Daily Living.
  31. Primary Pulmonary Arterial Hypertension – A definite diagnosis of primary pulmonary arterial hypertension with substantial right ventricular enlargement established by investigators including cardiac catheterization, resulting in permanent physical impairment.
  32. Serious Coronary Artery Disease – The narrowing of the lumen of Right Coronary Artery (RCA), Left Anterior Descending Artery (LAD) and Circumflex Artery.
  33. Stroke – Death of brain tissue due to inadequate blood supply, bleeding within the skull or embolization from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms.
  34. Surgery to Aorta – The actual undergoing of surgery via a thoracotomy or laparotomy (surgical opening of thorax or abdomen) to repair of correct an aortic aneurysm.
  35. Systemic Lupus Erythematosus with Severe Kidney Complications – A definite diagnosis of Systemic Lupus Erythematosus confirmed by a rheumatologist.
  36. Third Degree Burns – Skin burns covering at least twenty percent (20%) of the total body surface area.