Heart attack, angina or stroke
Family history of heart attack, angina or stroke
- Life Cover, Critical Illness Cover & TPD – HSBC will offer standard rate decisions, increase to the premium or be unable to provide a quote (if associated with other conditions).
There are some rules that apply across all applicants with a family history of heart attack, angina or stroke – that would not result in HSBC 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.
NB: The decision will vary based on the age of the applicant and the age of the family history was diagnosed.
| 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 | Applicant aged 30; 1 family member with a heart attack aged 55. | Standard | Standard | Standard |
| 2 | Applicant aged 50; 1 family member with a heart attack aged 55; 1 family member with a stroke aged 51. | +25% loading | +50% loading | +50% loading |
| 3 | Applicant aged 30; 1 family member with a heart attack aged 49; 1 family member with a stroke aged 48. | +50% loading | +75% loading | +75% loading |
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Our Pre-Sales Underwriting Tool answers common pre-application enquiries and provides an instant, indicative underwriting decision.