Hypothyroidism (underactive thyroid)
Hypothyroidism (underactive thyroid)
- Life Cover, Critical Illness and TPD – HSBC will either offer standard rate decisions or be unable to provide a quote.
There are some rules that apply across all applicants with hypothyroidism (underactive thyroid) – 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 reviews or investigations
- Pending surgery.
If the applicant is able to confirm no to all of the above the outcome will then depend on their date of diagnosis, treatment along with thyroid function test results (TFTs).
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 | First diagnosed with hypothyroidism 3 years ago; no thyroid cyst/growth/nodule; no outstanding investigations or pending surgery; last had symptoms over 2 years ago; seen by GP only; TFTs normal; no time off work. | Standard | Standard | Standard |
| 2 | First diagnosed with hypothyroidism 1 year ago; no thyroid cyst/growth/nodule; no outstanding investigations or pending surgery; last had symptoms 6 months ago; seen by specialist 6 months ago and discharged; TFTs normal; 3 days off work. | Standard | Standard | Standard |
| 3 | First diagnosed with hypothyroidism 1 year ago; no thyroid cyst/growth/nodule; no outstanding investigations or pending surgery; still being seen by specialist; TFTs not yet in normal range. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
-
Click to view page: Need an indicative decision?
Our Pre-Sales Underwriting Tool answers common pre-application enquiries and provides an instant, indicative underwriting decision.