l do read some of the posts on UK HSCT MS and Auto-immune diseases. lt is a facebook group. Someone has just posted that he found out that his critical health insurance pays out automatically on a diagnosis of MS. lt is one of four illnesses automatically covered. He is thrilled - as the money will pay for his HSCT - treatment.
Hope this is correct - as it could make such a difference to anyone who is facing decisions about giving up work because of ill-health.