I applied twice BEFORE getting dxd with MS and was denied due to the possibility of having MS.
I offerred to pay top premiums if they would cover me, but I was refused.

So we are saving for the possibility of me needing loads of medical help when I get older. I insisted on DH getting covered; he wasn't denied, although his premiums are high due to the fact that his brother passed from colon cancer.

If medical costs were more tightly regulated I wouldn't be so worried, but they are runaway in our country, so we who are chronically ill have to be prepared for huge bills later in life