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Critical illness protection policies can be split into three types :
Death or Earlier Critical Illness pays on either death or critical illness but not both.
Death AND Critical Illness pays on critical illness and death. Once a claim has been made against a critical illness, further critical illness claims cannot be made.
Stand alone critical illness pays out once on diagnosis of a qualifying critical illness during the policy term.
If you suffer a qualifying critical illness your policy will pay out either a lump sum or a regular monthly income. When you make a claim you are allowed to keep the policy pay-out even if you make a full recovery.
They policy can be built into another life insurance policy on a level term, increasing term, decreasing term (mortgage life insurance) family income benefit (pays a monthly amount) or as a stand alone critical illness policy. Once you have made a claim it is normal that you policy will cease and other benefits will therefore cease.
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