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.
| Example | Scenario (assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits) | Life Cover | Critical Illness Cover | TPD Cover |
|---|---|---|---|---|
| 1 | Not 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. | Standard | Standard | Standard |
| 2 | Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment, but referred to colposcopy clinic; nothing abnormal found at colposcopy review; discharged from colposcopy clinic without follow up; attends regular cervical smear tests as required; last cervical smear test was normal. | Standard | Standard | Standard |
| 3 | Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment, but referred to colposcopy clinic; nothing abnormal found at colposcopy review; discharged from colposcopy clinic without follow up; attends regular cervical smear tests as required; last cervical smear test was abnormal. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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