Family history of diabetes
Family history of diabetes
- 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 diabetes (type 1 & type 2 are treated the same) – that would result in HSBC Life being not able to offer Life Cover at the current time. Such as:
- Having an abnormal personal test result due to the family history
- More than 2 family members diagnosed with diabetes (for CI & TPD).
If the applicant is able to confirm no to all of the above the outcome will then depend on their age, treatment, frequency of symptoms and smoker status.
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 | 1 family member diagnosed with diabetes at age 55; customer tested due to family history and results normal. | Standard | Standard | Standard |
| 2 | 2 family members diagnosed with diabetes at ages 52 & 55; customer not tested due to family history. | +25% loading | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | Identical twin diagnosed with diabetes at age 32; customer tested due to family history and results normal; customer BMI 32.5. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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