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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.

Case Study 1

  • Client: Female
  • Age: 51
  • Smoker status: Non-smoker
  • Medical conditions: Secondary progressive MS and anxiety
  • Cover date: 2nd July 2019
  • Product type: Life Cover
  • Cover amount: £20,000
  • Cover term: 10 years
  • Premium: £30.14

We were approached by this lady on the 17th January 2019 when she completed an enquiry through our website. Our advisor Greg then called her to discuss her life insurance needs and her pre-existing medical conditions, at this point the lady disclosed that she has secondary progressive MS and anxiety, and that she was looking for cover for 20 years for a maximum premium of £50 per month. Greg took this information and researched which provider would be best for the customer. He then applied to one of our specialist providers and retrieved a few quotes for different amounts of cover. As secondary progressive MS can be a very difficult condition to obtain cover for, the premiums can be subject to a relatively significant increase. Given her budget the client chose to take cover for £20,000 over 10 years, for a monthly premium of £30.14. This is a very good premium considering the lady’s difficult medical conditions as well as a few smaller medical issues that she has had throughout her lifetime. Furthering this, we also managed to secure cover for her partner, meaning that she could reduce the amount of cover that she needs.

Overall, this is a great outcome as it can be very difficult to find cover for someone with secondary progressive MS and we were delighted to be able to find protection for someone who previously struggled to find life insurance.

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The Insurance Surgery Ltd is rated 4.9/5 based on 187 reviews. Read our reviews


'Simply the best' This company is the top of the insurance business. I found it after having a bad experience with one of the biggest insurers.I thought I would struggle to get insurance. I filled in the enquiry section on there site, and waited for the reply. When it came I was very impressed with the manner in which the information was taken and the speed I got the quote, which was very reasonably priced.I would not hesitate to use this company again and would highly recommend them to family and friends. 4.9

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