Illness now includes compounds also; " The new rules are related to
critical illness. Earlier the rule was that if a tumor is associated with
HIV, then it will not be covered with critical illness. That is, if a
patient has HIV infection and also has cancer, then he will not be covered
in the health insurance of critical illness.

The word HIV has been removed in the new circular of IRDA. If a person has
‘loss of speech’ due to mental illness, then he will be considered under
the purview of critical illness, whereas he was excluded earlier. Complete
speech loss or non-curable speech loss has also been included in critical
illness.  KR IRS 25223

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