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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.

Heart attack, angina or stroke

Family history of heart attack, angina or stroke

  • 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 family history of heart attack, angina or stroke – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:

  • The applicant being under age 65 with family history in more than 2 immediate family members.

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
1Applicant aged 50; 1 family member with a heart attack aged 55.StandardStandardStandard
2Applicant aged 50; 1 family member with a heart attack aged 55; 1 family member with a stroke aged 51.+25% loadingTerms wouldn’t be offeredTerms wouldn’t be offered
3Applicant aged 30; 1 family member with a heart attack aged 49; 1 family member with a stroke aged 48; newly diagnosed with hypertension and on treatment.Terms wouldn’t be offeredTerms wouldn’t be offeredTerms wouldn’t be offered