List of specified critical illnesses

At this point, the following critical illness conditions are covered by the insurance

  • Cancer (except for initial stages of cancer, HIV-related tumours and skin cancer)
  • Certain benign tumours of the brain and of the spinal cord
  • Coronary thrombosis (heart attack)
  • Planned open-heart surgery or enlargement of narrowed coronary arteries (bypass surgery or balloon angioplasty)
  • Surgery for cardiac valve disease (patient needs to undergo surgery)
  • Cerebral thrombosis or cerebral haemorrhage (stroke)
  • Saccular bulging of the arteries of the brain (aneurism)
  • Chronic kidney failure
  • Disseminated sclerosis
  • ALS (amyotrophic lateral sclerosis)
  • Major organ transplant (heart, lung, liver, bone marrow)
  • HIV infection resulting from blood transfusion or work-related HIV infection
  • Deafness (permanent and irreversible loss of hearing in both ears)
  • Blindness (permanent and irreversible loss of sight in both eyes)
  • Spinal muscular atrophy
  • Parkinson’s disease
  • Creutzfeldt-Jakob disease
  • Bacterial meningitis (inflammation of the membranes of the brain)
  • Borrelia infection in meninges, nerve roots and brain (neuroborreliosis)
  • Severe burns (ambustio)
  • Disease of the aorta

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