This is my first post. I’ve recently been given my clinical diagnosis for MS, it’s been about 3 years from my intial symptoms of Optic Neuritis until i got to this point. I’ve had a couple of major relapses and have quite a few symptoms, the worst ones being fatigue, blurred vision and having a terrible memory. It is nice to have a probable explanation of why i keep mixing up words in the middle of sentences though! My neurologist first mentioned MS about a year ago so I’m pretty cool with it, i’ve had plenty of time to get used to the idea, it’s just finally nice to know what I’m dealing with.
I have a question around insurance. I was lucky enough that a financial advisor persuaded me to get Critical Illness cover and i’ve been sent a claim form and it asks if i’ve had any illnesses that would increase the risk of having MS. I had a really bad case of tonsilitis which i was hospitalised with when i was 20 (32 now) and I was told at the time that i had glandular fever too. Although i’ve since read that this could’ve been early MS symptoms. I also realised that i’ve had frequent bouts of unexplained fatigue usually about once a year ever since, until things became worse 3 years ago. I never bothered to report these to a doctor as thought i was just worn out.
I’m wondering has anyone else been through the process of doing a Critical Illness claim and could that history have any negative affect on the company paying out? There are no exceptions on the schedule but i can’t remember anything about the initial questionnaire as it was about 6 years ago.