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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.

Breast lump

Breast lump

  • Life Cover, Critical Illness Cover & TPD

There are some rules that apply across all applicants with a history of a breast lump – 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 full mastectomy of one or both breasts.

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
1No 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.StandardStandardStandard
2No outstanding investigations or surgery; lump removed by surgical excision (lumpectomy); not diagnosed with cancer; discharged from follow up.StandardTerms wouldn’t be offeredStandard
3No outstanding investigations or surgery; lump 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