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If you’re struggling to pay your Life Cover monthly premiums because of coronavirus, help is available. Please visit our Frequently Asked Questions page for more information. Alternatively, please contact our HSBC Life Protection Plan Support team at Support@lifeprotectionplan.hsbc.co.uk or 0333 207 5563 to find out more.

Abnormal cervical smear

Abnormal cervical smear

  • Life Cover, Critical Illness Cover & TPD –  HSBC Life will either offer standard rate decisions or be unable to provide a quote

There are some rules that apply across all applicants with a history of an abnormal cervical smear(s) – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:

  • Any outstanding reviews or investigations
  • Any malignancy or cancer diagnosis
  • Any treatment involving chemotherapy or radiotherapy.

This is a general guide and is not a guarantee of acceptance.

ExampleScenario (assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits)Life CoverCritical Illness CoverTPD Cover
1Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment (chemotherapy, radiotherapy or hysterectomy); attends regular cervical smear tests as required; last cervical smear test was normal.StandardStandardStandard
2Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment, but referred to colposcopy clinic; attends regular cervical smear tests as required; last cervical smear test was normal.StandardStandardStandard
3Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment, but referred to colposcopy clinic; attends regular cervical smear tests as required; last cervical smear test was borderline.Terms wouldn’t be offered
Terms wouldn’t be offered
Terms wouldn’t be offered