Musculoskeletal Conditions and Insurance

I can imagine what you are thinking right now. Musculosk…what? This is just a fancy word that groups together conditions that affect the body’s skeletal and/or muscular systems. A few that come to mind are arthritis, fibromyalgia, multiple sclerosis, etc.

When you have one of these conditions you could be asked some of these questions when arranging insurance:

• What is the condition that you have?
• When were you diagnosed with the condition?
• What are your symptoms?
• Are you currently working?
• What medications do you take?
• Are you using any anti-TNF medication?
• Do you use any mobility aids?

For some conditions the insurer may arrange to see a report from your GP to confirm your health. These reports allow the insurer to get a clear picture of your medical history before your application is fully assessed.

Life Insurance – widely available, depending upon the condition that you have, you may be better applying to specific providers who view your condition favourably.

Critical Illness Cover – generally available, depending upon the condition you may need to place your policy with a specialist insurance provider.

Income Protection – limited options, for many conditions you may need to look at short-term income protection policies known as accident, sickness and unemployment cover.

Private Medical Insurance – generally available, most policies will exclude any claim relation to your condition.

Musculoskeletal conditions:

• Ankylosing Spondylitis
• Back Pain
• Carpel Tunnel Syndrome
• Chronic Fatigue Syndrome
• Ehlers-Danlos syndrome
• Fibromyalgia
• Gout
• Hypermobility Syndrome
• Lordosis
• Multiple Sclerosis
• Osteoarthritis
• Psoriatic Arthritis
• Repetitive Strain Injury
• Rheumatoid Arthritis
• Sciatica
• Scoliosis
• Tendonitis
• Tennis Elbow
• Tenosynovitis
• Whiplash

If you would like to view our Advent Calendar, click Here.