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Coronavirus

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.

Gout

Gout

  • 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 either offer standard rate decisions or be unable to provide a quote.

There are some rules that apply across all applicants with a history of gout – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:

  • Any outstanding hospital referrals, reviews or investigations
  • Both hypertension (raised blood pressure) & kidney problems.

This is a general guide and is not a guarantee of acceptance.

NB        If more than one toe or finger is affected, count these as one joint

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
1No outstanding hospital referrals, reviews or investigations; no associated conditions; 3x toes affected; no gout attacks for >12 months.StandardStandardStandard
2No outstanding hospital referrals, reviews or investigations; no associated conditions; 3x toes & 2 x fingers affected; 3 gout attacks in last 12 months.+25% loadingTerms wouldn’t be offeredTerms wouldn’t be offered
3No outstanding hospital referrals; diagnosed with both hypertension & a kidney problem.Terms wouldn’t be offered
Terms wouldn’t be offered
Terms wouldn’t be offered