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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.

Hypothyroidism (underactive thyroid)

Hypothyroidism (underactive thyroid)

  • Life cover, Critical Illness and 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 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.

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
1First 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.StandardStandardStandard
2First 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.StandardStandardStandard
3First diagnosed with hypothyroidism 1 year ago; no thyroid cyst/growth/nodule; no outstanding investigations or pending surgery; last had symptoms 2 months ago; seen by specialist 2 months ago and remain under follow up.Terms wouldn’t be offered
Terms wouldn’t be offered
Terms wouldn’t be offered