Colorectal (bowel) cancer & bowel polyps
Family history of colorectal (bowel) cancer & bowel polyps
- Life Cover, Critical Illness Cover & TPD – HSBC will offer standard rate decisions, increase to the premium or be unable to provide a quote (if associated with other conditions).
There are some rules that apply across all applicants with a family history of colorectal (bowel) cancer & bowel polyps – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:
- A confirmed diagnosis of family history of:
- Familial adenomatous polyposis (FAP)
- Hereditary non-polyposis colorectal cancer (HNPCC)
- Familial colorectal cancer (Lynch I) syndrome
- Hereditary adenocarcinomatosis (Lynch II) syndrome.
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 | Life Cover | Critical Illness Cover | TPD Cover |
|---|---|---|---|---|
| Assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits | ||||
| 1 | Applicant aged 52; 1 family member diagnosed with bowel cancer at age 60. | Standard | Standard | Standard |
| 2 | Applicant aged 52; 1 family member diagnosed with bowel cancer at age 42. | Standard | +50% loading | +50% loading |
| 3 | Applicant aged 61; ‘Don’t know’ what type of bowel cancer or polyps; Advised to have colonoscopy in the future. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
-
Click to view page: Need an indicative decision?
Our Pre-Sales Underwriting Tool answers common pre-application enquiries and provides an instant, indicative underwriting decision.