- Life cover, Critical Illness and TPD – HSBC Life will either offer standard rate decisions or be unable to provide a quote
This assumes that there is no underlying disease or condition for the back pain, such as arthritis or scoliosis, amongst others. This is specific to there being no known cause, wear and tear or degenerative changes, or a disc problem.
There are some rules that apply across all applicants with back pain – that would not result in HSBC Life being able to offer Life, Critical Illness or TPD cover at the current time. Such as:
- Pending surgery
- Suffering continuous symptoms for TPD.
If the applicant is able to confirm no to all of the above the outcome will then depend on their planned and previous treatment along with frequency of symptoms. Occupation type is relevant for TPD.
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||Single episode of back pain in 2015; no underlying cause; no surgery required or pending; not undergoing any hospital or specialist review; no treatment required.||Standard||Standard||Standard|
|2||Multiple episodes of back pain since 2018; cause – degenerative disc disease; no surgery required or pending; undergoing review with hospital or specialist.||Standard||Standard||Terms wouldn’t be offered|
|3||Multiple episodes of back pain since 2015; cause – degenerative disc disease; surgery planned or pending.||Terms wouldn’t be offered||Terms wouldn’t be offered||Terms wouldn’t be offered|