Major diseases are mostly found in medical insurance, in fact, many insurance companies have more than 25 types of critical illnesses, depending on the provisions of the contract. The main common critical illnesses are malignant tumors, acute myocardial infarction, post-stroke sequelae, major organ transplantation, coronary artery bypass surgery, end-stage renal disease which is uremia, multiple limb loss, acute severe hepatitis, benign brain tumors, chronic liver failure in its decompensated stage, and also sequelae of encephalitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, and severe of Alheimer’s disease, i.e., dementia, severe cranial injury, severe Parkinson’s disease, severe burns, pulmonary hypertension, motor neuron disease, speech loss, severe aplastic anemia, and aortic surgery.