Last reply 2 hours ago
Critical Illness/Income protection

Hi. I was wondering if anyone managed to get a critical illness cover or income protection that would exclude anything related to MS? I’m happy to have that excluded but obviously I could still get something else.

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stumbler
16 hours ago

@stephz , I can see it being very difficult or prohibitively expensive. MS can complicate other conditions so any potential claims may be strongly contested.

Use an insurance broker and see how they get on………..


stephz
15 hours ago

Hi. Thanks @stumbler – I found a link to the biba website via the MS Trust and you can search for insurance + medical condition so I phoned one up that’s local and recommend via that list. See what happens. MS might complicate some things but considering the amount of contact I have with medical staff anything would be caught early + I removed a lot of risk factors since dx – just frustrating…I got a quote for a life insurance so at least that’s something..if I get anything I will share.


stumbler
2 hours ago

@stephz , it can be a minefield. Insurance companies seem to have an undocumented philosophy of “heads they win, tails you lose”.

Everything needs to be fully disclosed on your insurance proposal to try and avoid the insurers trying to wriggle out of any potential payout. And, I feel sure that they would load the premium in any event.

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