Forum

Critical illness cover

Hello, apologies if this is a typical, repeated or a recurrent thread, but I need help.

I am 34, do not have MS, but my father developed MS at around the age of 40 (now 79).

Im in the process of moving house and require critical illness cover. My mortgage provider will not cover me for MS. As I am sure you’ll apprieciate I want insurance to cover all eventualities, in support of my dependants.

Could anyone please Private Message me (don’t post on here what could be seen as “advertising”) if you know of any company who have insured someone in the same or similar position to me.

Many thanks and all the best,

DickieD

Hi

i realise you posted this some time ago but I thought i would reply .

i am in same situation although it my father in law who was diagnosed at 49 and now my husband can’t get the cover for critical illness without them excluding Ms. I wonder if you managed to get cover

any help is appreciated

thanks

nicola

Did either of you ask the MS Society?

Jan x

Hi

yes I did give them a call and they were very helpful they put me in touch with the insurance surgery but they couldn’t get me the cover

thanks

That doesn’t seem right that you can’t get cover.

Having a parent or sibling with MS does increase the risk of developing the condition but it is not hereditary.

Hope someone can help.

X

Hi blossom

that’s exactly what I thought but doesn’t seem to be the way

doesn look like my husband will get cover

thanks

It’s a disgrace that people are unable to get cover for a condition simply because a relation has said condition. Probably best to get cover for everything else though if that’s what you want.

Good luck

Jan x

Try a scheme through your employer if offered as a benefit. Since these are offered to a group of people they typically won’t have exclusions like this (just prior conditions).

A thought I’ve had is to get your father in law to be the policy holder insuring your husband (even if you pay him the cost). If the exclude MS as a condition on your husband because he has MS then that is disability discrimination under the law (since the policy is with him and they would not exclude if he did not have MS and therefore are doing this to him since he is disabled), you may be able to force the insurers hand doing it that way.

Are you aware of this site niclola. I’ve just been reading about various insurances on there. You can ring them too if you wish.

Good luck

X