Cystitis
Cystitis
- Life Cover, Critical Illness and TPD – HSBC 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 cystitis – that would not result in HSBC being able to offer Life Cover, Critical Illness or TPD at the current time. Such as:
- Any outstanding reviews or investigations
- Pending surgery.
If the applicant is able to confirm No to all of the above the outcome will then depend on their date of diagnosis, treatment along with frequency and severity of symptoms.
This is a general guide and is not a guarantee of acceptance.
| 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 | Diagnosed with cystitis due to infection; last had symptoms over 2 years ago. | Standard | Standard | Standard |
| 2 | Diagnosed with cystitis due to infection; last had symptoms 6 months ago; no outstanding investigations or pending surgery; seen by the GP only; 3 episodes in last 2 years; fully recovered. | Standard | Standard | Standard |
| 3 | Diagnosed with cystitis due to infection; last had symptoms 6 months ago; no outstanding investigations or pending surgery; seen by the GP only; 6 episodes in last 2 years. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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