Musculoskeletal Disorders (MSD’s) life insurance, critical illness cover and income protection
We are a leading insurance expert for people with all types of pre-existing medical conditions such as Musculoskeletal Disorders life insurance, critical illness cover and income protection. Some of the major conditions that can affect life insurance underwriting are Musculoskeletal Disorders so you will find that insurance offers will vary from one insurer to another which is why it is important to speak to a specialst like The Insurance Surgery who has the experience and knowledge to be able to help.
Some of the main Musculoskeletal Disorders are:
- Fibromyalgia
- Osteoarthritis
- Rheumatoid Arthritis
- Carpel Tunnel Syndrome
- Tendinitis
Our team of Musculoskeletal Disorders life insurance, critical illness cover and income protection experts have helped thousands of people to protect their loved ones in the event of accident, illness or even death.
How Musculoskeletal Disorders life insurance, critical illness cover and income protection works
Some of the key points that will be taken in to consideration when assessing an application for a Musculoskeletal Disorders life insurance, critical illness cover and income protection are:
- Date of diagnosis
- Type of Musculoskeletal Disorder
- Any surgery
- Medication or treatment
- Severity of your symptoms
If you need help to get Musculoskeletal Disorders life insurance, critical illness cover and income protection then you should contact one of our experts for a quote or free advice. Our team of specialists will take information about your condition(s) to help identify which insurance providers will be best for you to protect your family, home or business and to help save you money.
Musculoskeletal Disorders life insurance
Often there should not be any major issues to get Musculoskeletal Disorders life insurance as most of the conditions in this group are considered to be low risk for this type of cover. Most mild conditions should be offered at the insurers standard rates which are the same as for someone with no health issues as well as having no need to provide your medical records during your application.
Some of the main factors which will be assessed when underwriting an application for Musculoskeletal Disorders life insurance are:
- When were you diagnosed with your condition/disorder
- What type of Musculoskeletal Disorders do you suffer from
- Do your symptoms affect your lifestyle
- Have you ever had surgery
In some more severe or complex cases where symptoms are classed as higher then you may find that your application for Musculoskeletal Disorders life insurance could require additional underwriting. If you are classed as higher risk then you may find that you are required to provide copies of your medical records and your premium could increase to reflect the levels of risk.
Musculoskeletal Disorders critical illness cover
In most cases we see for Musculoskeletal Disorders critical illness cover there are no issues in getting the cover people want and often premiums are very favourable. Often you will find that for mild to moderate conditions, Musculoskeletal Disorders critical illness cover should be offered at the same rate as for someone with no medical issues.
If your condition is more severe or your symptoms have an impact on your lifestyle then you may find that additional underwriting is required for Musculoskeletal Disorders critical illness cover, such as medical reports. You may find that in some cases that some conditions will be excluded from your offer for Musculoskeletal Disorders critical illness cover due to the increased risks.
Musculoskeletal Disorders income protection
Most people with Musculoskeletal Disorders can also get income protection cover in most cases, especially where symptoms are mild which would be classed as lower risk. In some applications where the condition has resulted in the individual having to have time off work then you may find that your application for Musculoskeletal Disorders income protection could be subject to additional underwriting.
You also may find that your offer of Musculoskeletal Disorders income protection cover could come with some exclusions for related issues. You should contact one of our team of experts to find out more about how we can help you to get the cover you need at the right price.
Independent Reviews at 
The Insurance Surgery - Life insurance review for Ian from Halstead
2 weeks ago
Insurance surgery were extremely helpful throughout the process. I dealt with Greg, he kept me informed and updated throughout and even more so when we hit a few set backs. I’ve got my insurance now a... read more
The Insurance Surgery - Life insurance review for Sirinya from Taunton
3 weeks ago
Very good, efficient and fast prompt service read more
The Insurance Surgery - Life insurance review for Ross from Isle Of Bute
3 weeks ago
They did everything they said they would, I struggled to get insurance for my condition but the Insurance Surgery made sure they found me the best possible deal available. read more
The Insurance Surgery - Life insurance review for Paul from Wallington
3 weeks ago
Excellent, so helpful no pressure just an amazing service read more
The Insurance Surgery - Life insurance review for Mohamed from Wigston
4 weeks ago
Josh at the insurance surgery was outstanding, couldn't do enough for me to get my health insurance sorted.well done !You deserve 5 stars, I wouldn't hesitate to recommend you to family and friends.Th... read more
The Insurance Surgery - Life insurance review for Vishnu
1 month ago
Good understanding of one's needs rather than pushy sales. read more
The Insurance Surgery - Life insurance review for Nathan from Swindon
1 month ago
They were very friendly and very helpful finding me a cover I was happy with. Great service, would definitely recommend. read more
The Insurance Surgery - Life insurance review for Gertrude from Birmingham
1 month ago
Prompt response and constant support throughout. read more
The Insurance Surgery - Life insurance review for Matthew
1 month ago
Very helpful, everything was done so quickly and the person I spoke to who sorted everything was amazing. read more
The Insurance Surgery - Life insurance review for Rebecca from Bishop'S Stortford
1 month ago
I was lucky to have Andy be my point of call for any queries and for all updates.Andy was very pleasant, he was always phoning for updates and reassurances and he was very professional.Andy was simply... read more
The Insurance Surgery - Life insurance review for Stefan from Mansfield
1 month ago
Really super service from start to finish. Greg was so helpful and sorted life insurance for myself and my husband. Thank you so much. read more
The Insurance Surgery - Life insurance review for Valerie from Falkirk
1 month ago
Very helpful indeed. Took away the hassle of shopping around. read more
The Insurance Surgery - Life insurance review for Alan
1 month ago
Great knowledge from Andrew Hellyer, I arranged for a call back and he called back when requested.Fits in with what I was looking for. read more
The Insurance Surgery - Life insurance review for Kwame
1 month ago
I found the service pretty easy to use and got the best deal on offer. They were also very helpful and attentive. read more
The Insurance Surgery - Life insurance review for Lee from Pontyclun
1 month ago
They found us the prefect product and were incredibly patient with our slow replies due to work commitments.Perfect product for our lifestyle. read more
The Insurance Surgery - Life insurance review for Alan from Harwich
1 month ago
organised my life insurance request in a very professional manner and actually saved me some money. read more
The Insurance Surgery - Life insurance review for Taiwo from London
1 month ago
I found a link to The insurance surgery on the Which website so I was looking for a company to deliver a good product, good customer service, no upselling, and no hard selling, The insurance surgery d... read more
Useful Links
- Arthritis Research UK: https://www.arthritisresearchuk.org
- Arthritis and Musculoskeletal Alliance: http://arma.uk.net
- NHS Choices: https://www.nhs.uk/Conditions/Pages/bodymap.aspx?Subject=Muscle,%20joint%20and%20bone%20disorders
If you need help to get Musculoskeletal Disorders life insurance, critical illness cover and income protection then you should contact one of our experts for a quote or free advice.
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