Gout
Gout
- Life Cover, Critical Illness Cover & TPD – HSBC will offer standard rate decisions, increase to the premium or be unable to provide a quote.
There are some rules that apply across all applicants with a history of gout – that would not result in HSBC 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
| 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 | No outstanding hospital referrals, reviews or investigations; no associated conditions; 3x toes affected; no gout attacks for >12 months. | Standard | Standard | Standard |
| 2 | No outstanding hospital referrals, reviews or investigations; no associated conditions; 3x toes & 2 x fingers affected; 3 gout attacks in last 12 months. | +25% loading | +50 loading | +50 loading |
| 3 | No 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 |
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