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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.

Asthma

Asthma

  • Life cover –  Quotes are possible with increased premiums up to a maximum +100% or we may not be able to provide a quote 
  • Critical Illness and 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 asthma – that would result in HSBC Life not being able to offer Life, Critical Illness or TPD cover at the current time. Such as:

  • Requiring hospital or A&E admission in the last year
  • Suffering continuous symptoms
  • Being diagnosed with asthma over the age of 50.

If the applicant is able to confirm no to all of the above the outcome will then depend on their age, treatment, frequency of symptoms and smoker status.

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
1Non smoker; diagnosed with asthma aged 10; last symptoms 2019; infrequent symptoms; no hospital treatment; only inhalers used.StandardStandardStandard
2Non smoker; diagnosed with asthma aged 10; last symptoms 2020; weekly symptoms; hospital treatment in 2014; only inhalers used.StandardStandardStandard
3Non smoker; diagnosed with asthma aged 10; last symptoms 2020; weekly symptoms; hospital treatment in 2018; also required oral steroid tablets in last 2 years.From +50% loading
Terms wouldn’t be offered
Terms wouldn’t be offered
4Aged 40; smoker 20 cigarettes per day; diagnosed with asthma aged 35; last symptoms 2020; weekly symptoms; hospital treatment in 2018; also required oral steroid tablets in last 2 years.Terms wouldn’t be offered
Terms wouldn’t be offered
Terms wouldn’t be offered