1. Cancer
2. Chronic Renal Failure
3. Acquired Immune Deficiency Syndrome (AIDS)
4. Brain injury, injuries of spinal cord and vertebral which followed by paralysis
5. Complication of bone fracture such as infection, delay of healing, deformity or plate and screw operation for treatment.
6. Another diseases or sickness that required continuous medical treatment for more than 180 days. In case when the insured person is unable
to work during treatment, he or she has to submit request for the approval of the Medical Committee.