Critical Illness IRDA

Can you tell me about the definition of Critical Illness as provided by IRDA under Critical Illness Insurance Policy of SBI General Insurance?

[shikha]

The Critical Illness Insurance Policy of SBI General Insurance is issued to the Insured based on the Proposal and declaration together with any statement, report or other document which is the basis of the contract and is deemed to be incorporated in this to the Insurer upon payment of the Premium by IRDA.

This Policy records the agreement between Insurer and Insured and sets out the terms of insurance and the obligations of each party


Definitions
The following words or terms have the meaning credited to wherever they appear in this Policy, and references to the singular or to the masculine include references to the plural and to the feminine wherever the context so permits:

“Critical Illness” means an illness, sickness or a disease or a corrective measure like Cancer of specified severity, Open Chest Bag, Aorta Graft Surgery, Open Heart Replacement or Repair of Heart Valves, Stroke Resulting in Permanent Symptoms, First Heart Attack – Of Specified Severity, Kidney Failure Requiring Regular Dialysis, Primary Pulmonary Arterial Hypertension, Major Organ/ Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Coma of Specified Severity, Total Blindness and Permanent Paralysis of Limbs all as defined in Scope of
Cover & Benefits section of this Policy.


Accident" means a sudden, unforeseen and involuntary event caused by external, visible and violent means.


“Age” means completed years at the Commencement Date of the Policy Period.


“Alternative treatments” mean forms of treatments other than treatment "Allopathy" or "modem medicine" and includes Ayurveda, Unani, Sidha and Homeopathy in the Indian context.