- Life cover – Quotes are possible from standard rate to increased premiums or we may not be able to provide a quote
- Critical Illness and TPD– HSBC Life will either offer standard rate decisions or be unable to quote.
There are some rules that apply across all applicants with hypertension or raised blood pressure – that would result in HSBC Life not being able to offer Life, Critical Illness or TPD cover at the current time. Such as:
- Outstanding investigations or referrals with a cardiologist or other medical professional
- If they have any problems with their kidneys or eyes; or an abnormal ECG
- If they have associated cardiovascular complications, such as a history of heart attack, angina or stroke – this list is not exhaustive
- 30 years old or younger and on medication.
*Note if hypertension is in combination with other cardiovascular related conditions such as raised cholesterol this may affect our ability to offer a quote. If the applicant is able to confirm no to all of the above, then outcome will depend on their age, control based on their last review and how long they have had their hypertension for.
This is a general guide and is not a guarantee of acceptance.
|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||Non smoker; past history of hypertension; no current treatment; last blood pressure 130/85; diagnosed 3 years ago.||Standard||Standard||Standard|
|2||Non smoker; current treatment for hypertension; blood pressure 130/85; aged over 35; diagnosed 3 years ago.||Standard||Standard||Standard|
|3||Non smoker; current treatment for hypertension; blood pressure is ok but slightly raised; review required in 6 months; aged over 35; diagnosed 3 years ago.||From +25% to +50% loading||Terms wouldn’t be offered||Terms wouldn’t be offered|
|4||Smoker of over 30 cigarettes per day; current treatment for hypertension; blood pressure high and needs to be reduced; any age; diagnosed at any time.||Terms wouldn’t be offered||Terms wouldn’t be offered||Terms wouldn’t be offered|