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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:

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Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.

The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.

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