Sample Conditions

Ansel Health covers over 13,000 conditions all in one plan and across three benefit categories

This list of sample conditions demonstrates the broad spectrum of coverage provided by Ansel Health to ensure financial support when employees need it most. The full list of covered conditions is provided with your Certificate of Insurance and applicable Riders. For questions about a specific condition, contact your sales representative or email

Moderate Conditions

Over 6,000 conditions covered

Second degree burns
Acute kidney infection (Acute pyelonephritis)
Anaphylactic reactions
Basal cell carcinoma of skin
Bell's palsy
Benign breast tumor
Benign internal fatty tumor
Bladder, ureter, urethra stones
Carcinoma in situ of skin
Compression fracture of vertebrae
Corneal inflammation (corneal keratitis)
Corneal ulcer
Cracked tooth
Dislocation of shoulder
Encephalitis and encephalomyelitis
Foreign body in eye, ear or nose
Fracture of collarbone
Fracture of fibula
Fracture of finger or toe
Fracture of foot
Fracture of forearm
Fracture of hand
Fracture of nasal bones
Fracture of tibia
Fracture of wrist
Hepatitis C (chronic viral)
Hypertensive crisis
Kidney stones
Migraines (intractable)
Open bites
Pathological fractures
Puncture wounds
Sprain of ACL (knee)
Sprain of MCL (knee)
Squamous cell carcinoma of skin
Stress fractures

Severe Conditions

Over 5,600 conditions covered

Third degree burns (less than 50% of body)
Acute pancreatitis
Acute pulmonary edema
Acute respiratory failure
Anaphylactic shock
Atrioventricular block
Bacterial meningitis
Benign neoplasm of bladder
Benign neoplasm of brain
Benign neoplasm of colon
Benign neoplasm of digestive system
Benign neoplasm of liver
Benign neoplasm of thyroid
Brain aneurysm
Carcinoma in situ (excluding skin)
Chronic adenoiditis
Chronic tonsillitis
Cleft palate
Congestive heart failure
Deep-vein thrombosis
Detached retina (non-diabetes)
Fracture of hip
Fracture of skull
Fractured femur
Gastric ulcer with hemorrhage
Hernia of diaphragm
Hernia of intestine
Infection of spinal disc
Lung fluid (pleural effusion)
Malignant neoplasms of skin (melanoma)
Obstructed of bile duct
Open or compound fractures
Pulmonary embolism
Torn achilles tendon
Torn ACL (knee)
Torn meniscus (knee)
Torn rotator cuff
Transient cerebral ischemic attack (TIA)
Unstable angina

Catastrophic Conditions

Over 1,500 conditions covered

Third degree burns (more than 50% of body)
Abdominal aortic aneurysm
Acute respiratory distress syndrome
ALS (Lou Gehrig's disease)
Cancer (malignant neoplasms excluding skin)
Cardiac arrest
Cerebral hemorrhage (acute)
End-stage renal failure
Heart attack
Hodgkin lymphoma
Human immunodeficiency virus [HIV]
Huntington's disease
Loss of limb
Loss of sight in both eyes
Major organ failure
Multiple sclerosis
Necrotizing fasciitis
Perforation of intestine
Parkinson's disease
Spina bifida
Ventricular fibrillation