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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.

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.

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
11 family member diagnosed with diabetes at age 55; customer tested due to family history and results normal.  StandardStandardStandard
22 family members diagnosed with diabetes at ages 52 & 55; customer not tested due to family history. +25% loadingTerms wouldn’t be offeredTerms wouldn’t be offered
3Identical twin diagnosed with diabetes at age 32; customer tested due to family history and results normal; customer BMI 32.5.Terms wouldn’t be offeredTerms wouldn’t be offeredTerms wouldn’t be offered