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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.

Cystitis

Cystitis

  • Life cover, Critical Illness and TPD –  HSBC Life will either offer standard rate decisions or be unable to provide a quote.

This assumes that underlying conditions such as kidney stones or kidney disease, urethral strictures and (in male applicant’s) prostate problems, among others, have been excluded as a cause for the cystitis.

There are some rules that apply across all applicants with irritable bowel syndrome (IBS) – that would not result in HSBC Life being able to offer Life or Critical Illness cover at the current time. Such as:

  • Any outstanding reviews or investigations
  • Pending surgery.

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
1First diagnosed with cystitis 3 years ago; no outstanding investigations or pending surgery; last had symptoms over 2 years ago.StandardStandardStandard
2First diagnosed with cystitis 5 years ago; no outstanding investigations or pending surgery; last had symptoms over 6 months ago; seen by the GP only; 3 episodes in last 2 years; fully recovered.StandardStandardStandard
3First diagnosed with cystitis 7 years ago; no outstanding investigations or pending surgery; last had symptoms over 6 months ago; seen by a specialist; 6 episodes in last 2 years; not fully recovered.Terms wouldn’t be offered
Terms wouldn’t be offered
Terms wouldn’t be offered