Why did Ludmilla not receive a payment for her heart attack claim under her critical illness policy?

Ludmilla did not receive a payment for her heart attack claim under her critical illness policy because she passed away before the end of the policy's survival period. Many critical illness policies have stipulations that require the policyholder to survive a certain period after being diagnosed with a covered condition to receive a benefit. In this instance, even though the heart attack is generally included in critical illness coverage, the requirement to survive for a specified duration is crucial for the claim to be honored. Therefore, her unfortunate passing before meeting this condition leads to the denial of the payment under the terms of her policy.