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Coronavirus

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.

Alzheimer’s disease

Family history of Alzheimer’s disease

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

There are some rules that apply across all applicants with a family history of Alzheimer’s disease – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover & TPD at the current time. Such as:

  • The family member being aged under 60 for Critical Illness Cover & TPD
  • More than 2 family members diagnosed with Alzheimer’s disease.

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

NB The decision will vary based on the age of when the family history was diagnosed.

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
11 family member diagnosed with Alzheimer’s disease at age 62. StandardStandardStandard
22 family members diagnosed with Alzheimer’s disease at ages 64 & 65. +50% LoadingTerms wouldn’t be offeredTerms wouldn’t be offered
32 family members diagnosed with Alzheimer’s disease at ages 55 & 58. Terms wouldn’t be offeredTerms wouldn’t be offeredTerms wouldn’t be offered