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The Insurance Surgery is very proud to have been working closely with MS-UK since 2005 providing specialist MS insurance services. We are a leading insurance specialist in the UK for people who have pre-existing medical conditions such as Multiple Sclerosis.

Our team of experts are highly skilled and have many years of specialist knowledge and expertise to guide you towards the right cover at the right price. We recognise that people who have a pre-existing medical condition such as MS need a specialist to help guide them through the application process and to find the lowest premiums with the right providers.

What products and services do we offer?

Over the years we have developed a unique and specialist portfolio of products for all your specialist needs and requirements. Our products include:

All of our products and services are specifically designed to cater for people who have pre-existing medical conditions such as Multiple Sclerosis. We aim to offer the most suitable cover and the lowest premiums available for your individual needs.

How does MS affect my insurance application?

It is true that Multiple Sclerosis will generally have an impact on any premiums for Life Insurance, Travel Insurance and other types of personal protection products. Your premium will depend on a number of factors such as:

  • Type of MS

  • Date of Diagnosis

  • Frequency/severity of symptoms

  • Medication

  • Use of walking aids

  • Family History

If you have any questions regarding your existing insurance cover or whether you require a new quote, please do not hesitate to contact our team of experts.

What if I have been declined in the past?

A large percentage of our clients have at some point been declined by an insurance provider in the past due to their medical history. This is certainly not an unusual situation and can simply be because they have applied to the wrong provider previously. Each insurance provider has their own underwriting guidelines and it can be likely that some providers would accept where others may decline cover.

A non-specialist broker or applying direct to an insurance provider may result in a decline simply because they do not have the knowledge or expertise to be able to help you. Our team of highly skilled insurance experts have the experience to be able to guide you towards the insurance providers that will offer cover based on their underwriting philosophy.

How does The Insurance Surgery support MS-UK?

The Insurance Surgery will pay 20% of any commission received from any policy that is purchased through us. We are very proud to be able to support this incredible charity and help towards funding the amazing work that it does.

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The Insurance Surgery Ltd is rated 4.8/5 based on 251 reviews. Read our reviews


'The best broker you can get' Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you. 4.8

feefo Service Rating 4.8/5

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