# Insurance policy queries? **URL:** \ **Category:** Everyday living\ **Created:** [28 September 2013 20:35 UTC](https://forum.mssociety.org.uk/t/insurance-policy-queries/23210 "2013-09-28T20:35:35Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![Inactive\_User](https://avatars.discourse-cdn.com/v4/letter/i/3e96dc/32.png) [@Inactive\_User](https://forum.mssociety.org.uk/u/Inactive_User)\ **Post date:** [28 September 2013 20:35 UTC](https://forum.mssociety.org.uk/t/insurance-policy-queries/23210/1 "2013-09-28T20:35:35Z")
Hi does anybody know if you have life insurance and mortgage insurance can you make a claim with a diagnoses of ms? Or does it have to include additional cover like criticall illness? …a bit confused as policies are so hard to trawl through…thanks in advance ---
**Author:** ![mickthetrick](https://avatars.discourse-cdn.com/v4/letter/m/da6949/32.png) [@mickthetrick](https://forum.mssociety.org.uk/u/mickthetrick)\ **Post date:** [28 September 2013 20:44 UTC](https://forum.mssociety.org.uk/t/insurance-policy-queries/23210/2 "2013-09-28T20:44:12Z")
thats hard to say on just a normal one. you would have to read through it or phone your insurer. im may be wrong so dont quote me on this but i think you need ms to be on the critical illness list. not all critical illness policies have ms on good luck ---
**Author:** ![Inactive\_User](https://avatars.discourse-cdn.com/v4/letter/i/3e96dc/32.png) [@Inactive\_User](https://forum.mssociety.org.uk/u/Inactive_User)\ **Post date:** [28 September 2013 20:47 UTC](https://forum.mssociety.org.uk/t/insurance-policy-queries/23210/3 "2013-09-28T20:47:03Z")
It’s just so confusing only asking as we got a statement this morning reg insurance and it looks like we have more cover than I thought but who knows ill contact them and see if you don’t ask and all that nobody’s gonna tell you!..Emma x ---
**Author:** ![nindancer](https://avatars.discourse-cdn.com/v4/letter/n/cc9497/32.png) [@nindancer](https://forum.mssociety.org.uk/u/nindancer)\ **Post date:** [28 September 2013 21:26 UTC](https://forum.mssociety.org.uk/t/insurance-policy-queries/23210/4 "2013-09-28T21:26:05Z")
> [@Anonymous](#): > > life insurance and **mortgage insurance** can you make a claim with a diagnoses of ms? I’m not sure what’s being referred to here, as there isn’t a ‘mortgage insurance’ as such… To summarise what cover might usually be taken, I hope this helps a bit anyway: Basic Life assurance pays out a lump-sum on death - some mortgage providers will make it a term of the borrowing that life assurance is in place but not all of them. Some life assurance policies have a terminal illness benefit, this won’t cover MS, as thankfully MS isn’t terminal! Basic Critical Illness cover pays a lump-sum on diagnosis of a **stipulated** listed illness, so yes, some providers do not cover MS, best to check the terms of your policy. Some sickness/income protection/payment protection policies, may pay a regular amount for a period of time but it won’t pay a lump-sum, it’s designed to replace some of your income your income or cover repayments Hope that’s of some help - if in doubt it really is best to look at policy docs Sonia x ---
**Author:** ![nindancer](https://avatars.discourse-cdn.com/v4/letter/n/cc9497/32.png) [@nindancer](https://forum.mssociety.org.uk/u/nindancer)\ **Post date:** [28 September 2013 21:29 UTC](https://forum.mssociety.org.uk/t/insurance-policy-queries/23210/5 "2013-09-28T21:29:52Z")
Emma, sorry hun, I just read your comment, were you asking? Send me a message if you want and I might be able to help with what your policy docs mean xx