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5. Diabetes

Diabetes

• Life cover –  Quotes are possible with increased premiums or we may not be able to provide a quote. 
• Critical Illness and TPD –  Quotes are possible with increased premiums or we may not be able to provide a quote.

Type 1 and 2 diabetes will be assessed separately, the outcomes are based on complications, control, duration of illness, age, plus any other disclosures.

The majority of people will have a good understanding of their diabetes, attend regular reviews and will know how well they are managing the control of their diabetes.

Criteria where we would not be able to offer for Life Cover

There are some rules that apply across all applicants with diabetes – that would result in HSBC Life not being able to offer Life Cover at the current time. Such as:

• Any pending referrals or investigations (other than routine diabetes check-ups)
• Any comorbidities, e.g. chest pain, angina, kidney problems or stroke etc
• Applicants currently under the age of 30
• Their BMI is over 38
• Any complications, such as ulcers, eye problems or more than 2 hypoglycaemic attacks in the last 5 years
• Having been in hospital or visited A&E within the last year
• Diagnosed under 6 months ago (180 days)

If last reviewed over 2 years ago. *Note if diabetes is in combination with other cardiovascular related conditions such as raised blood pressure or raised cholesterol this may affect our ability to offer a quote.

Smoking may require an extra premium or a result in us not being able to provide terms, this depends on volume.

The final outcome will then depend on their age, control based on their last review/blood test and how long they have had their diabetes for.

Criteria where we would not be able to offer for Critical Illness and TPD

There are some rules that apply across all applicants with diabetes – that would result in HSBC Life not being able to offer Critical Illness Cover at the current time.

• Type 1 Diabetics
• Diagnosed before age 30
• Any comorbidities or cardiovascular risk factors
• Any diabetic complications
• BMI over 38
• A smoker
• Hospital admissions in the last 3 years due to diabetes

Example acceptance terms

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.