Breast lump
Breast lump
- Life Cover, Critical Illness Cover & TPD – HSBC 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 a breast lump – that would not result in HSBC 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
- Being a male applicant
- Any treatment involving full mastectomy of one or both breasts.
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 | Female; no outstanding investigations or surgery; lump removed by aspiration; not diagnosed with cancer; last consulted medical professional 2 years ago; last treatment 2.5 years ago; fully recovered and discharged. | Standard | Standard | Standard |
| 2 | Female; no outstanding investigations or surgery; lump completely removed by surgical excision (lumpectomy); not diagnosed with cancer; discharged from follow up. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | No outstanding investigations or surgery; lump completely removed by surgical excision (lumpectomy); not diagnosed with cancer; remain under follow up with consultant. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 4 | Male; no outstanding investigations or surgery; lump removed by aspiration; not diagnosed with cancer; last consulted medical professional 2 years ago; last treatment 2.5 years ago; fully recovered and discharged. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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