AMS


Advanced Mortgage Services Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Advanced Mortgage Services is registered in England. Company registration number 4751565.

Cherry Tree House, 20 Inverleigh Road, Bournemouth, Dorset, BH6 5HA.

Advanced Mortgage Services Ltd website is only for the use by UK residents & is subject to the UK regulatory regime.


David Hindmarch

Mortgage & Insurance consultant

Home AMS Mortgages Equity Release Insurance Estate Planning Business Services About Me Contact Me

FCA Consumer

Useful Links

The Money Advice Service

Privacy Statement

Client Agreement

Just Call   01202 422141

Free phone 0800 0029077

Or Request a call back

List Of Critical Illness


This list provides an example and is not representative of all insurers. Some Illnesses will need to meet specific criteria before a valid claim will be met, also on diagnosis some illnesses will not pay out a full amount but instead only a partial payment. It is important when taking out Critical Illness Insurance to be aware of the cover provided and the terms from each specific insurer.


• Alzheimer's disease (including pre-senile and senile dementia) - resulting in permanent symptoms

• Aorta graft surgery - for disease or traumatic injury

• Aplastic anaemia - complete

• Bacterial Meningitis - resulting in permanent symptoms

• Benign intramedullary spinal cord tumour – resulting in permanent symptoms

• Benign brain tumour

• Blindness - permanent and irreversible

• Cancer - excluding less advanced cases

• Cardiomyopathy - of specified severity

• Coma - resulting in permanent symptoms

• Coronary artery angioplasty

• Coronary artery by-pass grafts

• Creutzfeldt-Jakob disease - resulting in permanent symptoms

• Deafness - permanent and irreversible

• Dementia (including senile dementia) – resulting in permanent symptoms

• Ductal carcinoma in-situ of the breast – with specified treatment

• Encephalitis - resulting in permanent symptoms

• Heart attack - of specified severity

• Heart valve replacement or repair

• HIV infection - caught in a specified list of countries from a blood transfusion, a physical assault or at work

• Kidney failure - requiring dialysis

• Liver failure

• Loss of independent existence - unable to look after yourself ever again

• Loss of hands or feet - permanent physical severance

• Loss of speech - permanent and irreversible

• Major organ transplant

• Motor neurone disease - resulting in permanent symptoms

• Multiple sclerosis - with persisting symptoms

• Multiple system atrophy – resulting in permanent symptoms

• Open heart surgery – with surgery to divide the breastbone

• Paralysis of a limb - total and irreversible

• Parkinson's disease - resulting in permanent symptoms

• Partial loss of sight – permanent and irreversible

• Primary Pulmonary Hypertension

• Progressive Supranuclear Palsy

• Prostate cancer

• Pulmonary Artery Surgery – for disease only

• Removal of one or more lobe(s) of the lung – for disease or trauma

• Severe Crohn’s disease – surgically treated

• Severe lung disease

• Severe ulcerative colitis – with operation to remove the entire large bowel

• Stroke - resulting in permanent symptoms

• Surgical removal of an eyeball

• Systemic Lupus Erythematosus (SLE)

• Terminal illness

• Third degree burns - covering 20% of the body's surface area or affecting 50% of the area of the face or head

• Traumatic head injury - resulting in permanent symptoms

• Total permanent disability - of specified severity


Insurance Home

Critical Illness Insurance

[googlefd407ba59a151e5e.html]