I’ll try and keep this brief -
I was tested and diagnosed in 1999, (MRI, Lumbar puncture, EP test) (age 21) following a stint in hospital after not being able to walk or use my hands, which came on over the space of a week. I was back to normal within 3-4 months.
The Neurologist said that the next 5 years would show how my MS was likely to progress, and noted ‘Relapsing remitting’ on my medical records.
Fortunately for me, I had a brief relapse a year later, and then for the last 20 years I have been symptom free, which I am so very grateful for.
7 years ago, due to having sky high life insurance premiums and not being able to get Critical illness cover, I asked to have another MRI, to see if the could have misdiagnosed me.
They said that yes I still have lesions on my brain, but my MS may now be ‘Benign’.
Shockingly, and so very sadly, my now 39 year old Brother, following some loss of strength in his legs, was diagnosed with PPMS in December 2018, and is deteriorating rapidly. I have to disclose this on medical forms.
What I don’t understand is why I can’t get any critical illness cover, at all?
I understand that no company would cover me for ‘MS related’ illness, but what if i were to get a cancer, or a back problem etc? Why can’t I be covered for that?
Has anyone found an insurance company who covers for ‘non MS’ related illness?
Does anyone have experience in being symptom free for such a long time?
I am under no illusion, that I am not ‘out of the woods’ and that this cruel disease could strike at anytime, it just seems bizarre that I have been ok for so long?