I have heard of them and just looked at previous post which mentions them - Its Sme uses them I think
I do, I haven't put in a claim so not sure how easy it would be or how quickly the premiums would jump if I did.
The reason I chose them was if Bea didn't have a flair up of pancreatitis for a year then I could claim it as a new condition and that More Than wanted over £1000 to insure Bea.
Bea had a relapse of her hypoparathyroidism in September, which she isn't insured for
lucky for her she had a ISA that had just matured