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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.

Colorectal (bowel) cancer & bowel polyps

Family history of colorectal (bowel) cancer & bowel polyps

  • 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 Life will offer standard rate decisions or be unable to provide a quote.

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.

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 61; 1 family member diagnosed with bowel cancer at age 60.  StandardStandardStandard
2Applicant aged 61; 2 family members diagnosed with bowel cancer at ages 60 and 64. +50% loadingTerms wouldn’t be offeredTerms wouldn’t be offered
3Applicant 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