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Critical illness refers to a serious illness, such as a form of cancer or a heart attack. These types of illnesses affect one in four women and one in five men before retirement age. Critical illness insurance is designed to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or disabled. You must normally survive at least one month after becoming critically ill before the policy will pay out.

Critical illness insurance cover explained

Critical illness insurance pays benefits on the diagnosis of certain specified critical illnesses. The range of diseases covered has increased to more than 30, though the definitions of illnesses covered may differ from one company to another.

All policies should cover seven core conditions which are cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. They will also pay out if a policyholder becomes permanently disabled as a result of injury or illness. For more information about critical illness insurance, and frequently asked questions about critical illness insurance such as “do I need critical illness insurance” please contact us.

Other types of mortgage protection insurance

If you would like to arrange a free consultation to help you understand which mortgage protection product will be right for your situation, including mortgage payment protection insurancemortgage life insurance, income protection insurance and critical illness insurance cover, and any other options available please contact Ascot Mortgages – we are will be happy to explain things in a clear, unbiased and helpful way.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. This will typically cost £3 per month for every £100 of benefit. For impartial information about insurance, please visit the website at

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