36 Sakit Kritikal dan 6 Sakit Spesifik

Senarai 36 Sakit Kritikal

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1/ Buta (Blindness)
2/ Pembedahan otak (Brain Surgery)
3/ Benign brain tumour

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4/ Cancer
5/ Cardiomyopathy

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6/ Koma (Coma)
7/ Pekak (Deafness)
8/ Encephalitis
9/ Fulminant viral hepatitis
10/ Serangan jantung (Heart attack)
11/ Kegagalan buah pinggang (Kidney failure)
12/ Hilang keupayaan mengurus diri (Loss of independent existence)
13/ Hilang suara/ bisu (Loss of speech)
14/ Major head trauma
15/ Medullary cystic disease
16/ Multiple sclerosis
17/ Parkinson’s disease
18/ Primary pulmonary arterial
hypertension
19/ Strok (Stroke)
20/ Alzheimer’s disease/ Severe
dementia
21/ Bacterial meningitis
22/ Chronic aplastic anaemia
23/ End-stage liver failure
24/ End-stage lung disease
25/ Heart-valve surgery
26/ Major organ/ bone marrow transplant
27/ Motor neuron disease
28/ Paralysis of limbs
29/ Surgery to aorta
30/ Systemic lupus erythematosus with
severe kidney complications
31/ Third degree burns
32/ Angioplasty and other invasive
treatments for coronary artery disease
33/ Coronary artery by-pass surgery
34/ Serious coronary artery disease
35/ Full Blown AIDS
36/ HIV infection due to blood transfusion

Senarai 6 Sakit Spesifik

Sakit yang tersenarai di bawah diklasifikasikan sebagai sakit sediada dan keadaan yang berkaitan dengannya tidak dilindungi oleh PruBSN Takaful sekiranya ianya berlaku dalam tempoh 4 bulan pertama sijil takaful, walaupun orang yang dilindungi itu sedar akan keadaan ini ataupun tidak.

1/ Darah tinggi (Hypertension), kencing manis (diabetes mellitus) dan
sakit kardiovaskular/ berkait jantung (cardiovascular disease)

2/ Semua jenis tumor/ ketumbuhan (all tumours), kanser cancers, cysts, nodules,
polyps, stones of the urinary system and biliary msystem.

3/ Semua sakit berkaitan telinga, hidung (termasuk resdung) dan tekak (All ear, nose (including sinuses) and throat conditions.)

4/ Hernias, haemorrhoids, fistulae,
hydrocele, varicocele.

5/ Endometriosis including disease of the
reproduction system.

6/ Semua keadaan berkaitan tulang belakang dan lutut (Vertebro-spinal disorders (including disc) and knee conditions.)