Is Multiple Sclerosis Covered by CIC?
Yes. Multiple sclerosis is a standard covered condition on all UK critical illness policies. It is typically listed as one of the core conditions and pays out at 100% of the cover amount.
However, the exact definition varies between insurers. Some key differences to watch for:
How Insurers Define MS for CIC Claims
| Definition Type | What It Means | Which Insurers |
|---|---|---|
| Definite diagnosis by neurologist | Pays on confirmed diagnosis regardless of symptoms | Most major insurers |
| Diagnosis with persisting symptoms | Requires ongoing neurological symptoms as well as diagnosis | Some budget providers |
| Diagnosis with clinical disability | Requires a certain level of disability in addition to diagnosis | Rare but exists |
Can You Get CIC if You Already Have MS?
This is very difficult. If you have been diagnosed with MS before applying for CIC:
- Most insurers will exclude MS from the policy (meaning you cannot claim for it) but may still cover other conditions
- Some insurers may decline CIC altogether
- A specialist broker experienced with neurological conditions can find the best available terms
If you have symptoms being investigated but no confirmed diagnosis, apply as soon as possible. Once MS is confirmed, your options narrow significantly.
MS Claim Statistics
MS is one of the most common CIC claims for younger policyholders. It typically accounts for 3–5% of all CIC claims, with the average claimant in their 30s or 40s. The average CIC payout for MS is around £80,000–100,000.
This highlights why having adequate cover early is so important – MS commonly strikes during your prime earning years when your financial commitments are highest.
Frequently Asked Questions
Yes. All UK CIC policies cover MS at 100%. Definitions vary – the best pay on diagnosis alone.
Difficult. Most exclude MS or decline. Specialist brokers can find cover for other conditions.