Critical illness is a type of serious disease or illness. The best way to define them is to use insurance definition or even better is to use what the Singapore Insurance governing bodies : LIA or the Life Insurance Association.
So here are the different critical illness you should be aware of:
Heart Attack of Specified Severity
Coronary Artery By-pass Surgery
Paralysis (Loss of Use of Limbs)
Heart Valve Surgery
Blindness (Loss of Sight)
Deafness (Loss of Hearing)
Loss of Speech
Major Organ/Bone Marrow Transplantation
Primary Pulmonary Hypertension
Alzheimer’s Disease/Severe Dementia
Surgery to Aorta
HIV Due to Blood Transfusion and Occupationally Acquired HIV
End Stage Lung Disease
End Stage Liver Failure
Angioplasty & Other Invasive Treatment For Coronary Artery (with partial payment only)
Benign Brain Tumour
Motor Neurone Disease
Loss of Independent Existence
Major Head Trauma
Other Serious Coronary Artery Disease
Systemic Lupus Erythematosus with Lupus Nephritis
You will find all the definition of each of these illnesses in this document published by LIA.
In case of a symptom, you can claim if the illnesses or diseases is verified with blood tests, CT scan or an MRI. The disease will be certified by an experienced medical practitioner in that field.
If you subscribe to an insurance, dont forget that it is essential to disclose any existing illnesses or deficiency or disorders that you might be suffering for during that time. It not only ensures transparency but also makes the payouts smoother.