Cardiomyopathy
Family history of cardiomyopathy
- Life Cover – HSBC will offer standard rate decisions, increase to the premium or be unable to provide a quote.
- Critical Illness Cover & TPD – HSBC are unable to provide a quote.
There are some rules that apply across all applicants with a family history of cardiomyopathy – that would not result in HSBC being able to offer Life Cover at the current time. Such as:
- Not having any investigations due to the family history.
- Being aged under 30.
- No Echocardiogram or heart scan in last 5 years.
This is a general guide and is not a guarantee of acceptance.
NB The decision will vary based on the age of the applicant and the age of the family history was diagnosed.
| 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 | Applicant aged 52; fully investigated; had heart tests including echocardiogram or heart scan; last scan was 2 years ago; results completely normal. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 2 | Applicant aged 39; fully investigated; had heart tests including echocardiogram or heart scan; last scan was 2 years ago; results completely normal. | +50% loading | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | Applicant aged 42; fully investigated; had heart tests including echocardiogram or heart scan; last scan was 10 years ago. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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