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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.

Cardiomyopathy

Family history of cardiomyopathy

  • Life Cover –  HSBC Life will offer standard rate decisions, increase to the premium or be unable to provide a quote (if associated with other conditions)
  • 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 result in HSBC Life not 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.

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
1Applicant aged 52; fully investigated; had heart tests including echocardiogram or heart scan; last scan was 2 years ago; results completely normal.  StandardTerms wouldn’t be offeredTerms wouldn’t be offered
2Applicant aged 42; fully investigated; had heart tests including echocardiogram or heart scan; last scan was 2 years ago; results completely normal. +50% loadingTerms wouldn’t be offeredTerms wouldn’t be offered
3Applicant aged 42; fully investigated; had heart tests including echocardiogram or heart scan; last scan was 10 years ago; results completely normal. Terms wouldn’t be offeredTerms wouldn’t be offeredTerms wouldn’t be offered