Multiple Sclerosis Life Insurance

Health conditions high risk insurance multiple sclerosis

We know that multiple sclerosis can be a unpredictable illness, you never know when a relapse will occur, or if you are going to develop permanent physical symptoms. We also know that people MS live full lives and we can get you the insurance that you need.

Things we need to know:

  • What type of Multiple Sclerosis do you have? eg (relapsing remitting MS, secondary progressive MS or primary progressive MS?)
  • When were you diagnosed with multiple sclerosis?
  • What are your symptoms?
  • When was your last relapse or symptoms?
  • What medication do you take?
  • How does your MS affect your daily living?
  • Do you use any mobility aids?

Individuals with multiple sclerosis should have no apprehension about applying for Life Insurance. If the condition is well controlled and managed then there are some providers who can offer Life Insurance, from an application form alone. You should however be prepared that most providers will want to contact your GP for details as to the extent of your condition. This will not cost you anything and will ensure that the insurance provider offers Life Insurance with a full understanding of your condition.

When you apply for Life Insurance with multiple sclerosis, you should be prepared for your premiums to increase slightly due to your condition. The increase in the premium you will pay will be dependent upon the insurer that you choose, the amount of benefit you require, the term you have chosen, and the severity of your symptoms.

Get a Life Insurance Quote

Multiple Sclerosis Critical Illness Cover

It is possible to get Critical Illness Cover when you have MS, with some insurers. In most circumstances this will only be available with relapsing remitting MS where there have been no relapses for a number of years. The insurer will want to know how the multiple sclerosis affects you on a daily basis, and if you have developed any secondary conditions because of it. It is likely that any offer of Critical Illness Cover that you have will come with a multiple sclerosis exclusion, and possibly a blindness exclusion too. If you have strong and regular MS flare ups, you may need to look at a specialist insurer for your cover.

Get a Critical Illness Cover Quote

Multiple Sclerosis Income Protection

There are currently very limited options for people with multiple sclerosis to have Income Protection. We would recommend that you speak with a specialist adviser, who can fully explain the different options that you have for Income protection.

Get an Income Protection Quote

If you find that your circumstances don't allow you to have Income Protection, you may want to consider Accident, Sickness and Unemployment cover, a form of short-term Income Protection. This type of policy is arranged without detailing your medical history, so your multiple sclerosis will have no bearing on you being able to have it. An Accident, Sickness and Unemployment policy will pay out a monthly income replacement for between 12-24 months, if you are unable to work due to ill health or redundancy. It is important to know that whilst your MS is not considered when you arrange the policy, the policy will exclude any claims related to your multiple sclerosis.

Get an Accident, Sickness and Unemployment Quote

Multiple Sclerosis Travel Insurance

Are you planning a trip abroad? We work alongside a specialist travel insurance broker who can help you find travel insurance when you have MS. For more details please visit our dedicated page here.

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You can view a transcript for this CuraVision Multiple Sclerosis video here.

What is Multiple Sclerosis

Multiple sclerosis is diagnosed when the myelin (coating) of the nerve fibres becomes damaged, and the body's auto immune system believes that it is a foreign body that must be removed. Where the immune system attacks the myelin messages along the nerve system can become distorted, slowed down or lost completely. Eventually damage can be caused to the underlying nerve fibres, which can lead to permanent physical impairment.

There are three types of multiple sclerosis: relapsing remitting, secondary progressive and primary progressive MS. Relapsing remitting multiple sclerosis is diagnosed where symptoms flare up for a certain period of time, then disappear. Secondary progressive multiple sclerosis follows on from the first and is diagnosed by the development of permanent disability between relapses. Primary progressive multiple sclerosis is diagnosed where there are not flare ups of symptoms, but a permanent continued increase in the individuals severity of symptoms.

Also: Disseminated sclerosis, MS

Linked with: Chronic neurological disorders

Possible Effects on Lifestyle

Common problems experienced by individuals who have multiple sclerosis include:

  • Loss of vision
  • Muscle rigidity and/or involuntary spasms
  • Reduced balance and coordination (ataxia)
  • Fatigue
  • Intention or postural tremors
  • Cognitive difficulties
  • Depression
  • Constipation
  • Speech difficulties
  • Swallowing difficulties
  • Visual impairment
  • Reduced mobility
  • Extreme tiredness
  • MS hug

Medications and Treatments

  • Azathioprine
  • Baclofen (Lioresal, Lyflex)
  • Botulinum Toxin Type A
  • Botulinum Toxin Type B /Neurobloc
  • Dantrolene sodium (Dantrium)
  • Desmopressin acetate
  • Dexamethasone sodium phosphate
  • Diazepam
  • Fingolimod hydrochloride (Gilenya)
  • Gabapentin
  • Glatiramer acetate (Copaxone)
  • Interferon beta-1a (Avonex, Rebif)
  • Interferon beta-1b (Betaferon, Extavia)
  • Methylprednisolone sodium succinate (Solu-Medrone)
  • Mitoxantrone
  • Natalizumab (Tysabri)
  • Oxybutynin hydrochloride
  • Prednisolone
  • Teriflunomide (Aubagio)
  • Tizanidine (Zanaflex)
  • Tolterodine tartrate

Further Reading and Research

Common Questions

1. I was diagnosed with MS 3 years ago and I've been declined life insurance. Can you help?

Yes we can. Some insurers are better at insuring people with multiple sclerosis than others, it sounds like you went to one that isn't great at it. There are a number of reasons that you may have been declined life insurance e.g. the type of MS that you have, your medications, the time since the last relapse. Without knowing more, it is hard to say if you can have Life Insurance on the standard market, but don't worry, we have access to specialist insurers and will be able to get you covered even if you have been refused life insurance before.

2. I have multiple sclerosis and I want critical illness cover, as MS is listed as a claimable condition. How quickly can I make a claim?

You cant. When you arrange Critical Illness Cover, you will find that Multiple Sclerosis is excluded from the claims set, potentially blindness too. It may seem unfair, but insurers will not cover you for conditions that you already have.

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Review by Simon on 17th July 2018

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Kathryn Knowles, Managing Director

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here.