Irritable bowel syndrome
- Life cover, Critical Illness and TPD – HSBC Life will either offer standard rate decisions or be unable to provide a quote.
This assumes that other bowel diseases, such as Crohns disease, ulcerative colitis and coeliac disease (among others) are not the cause for any symptoms.
There are some rules that apply across all applicants with irritable bowel syndrome (IBS) – that would result in HSBC Life not being able to offer Life, Critical Illness or TPD cover at the current time. Such as:
- Any outstanding reviews or investigations.
If the applicant is able to confirm no to all of the above the outcome will then depend on their date of diagnosis, treatment and frequency of symptoms. TPD may be affected by the applicant’s occupation, in terms of whether its occupation specific or generic activities.
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||Diagnosed with IBS 3 years ago; no outstanding investigations; seen by a specialist; last symptoms 2019; no ongoing symptoms.||Standard||Standard||Standard|
|2||Diagnosed with IBS 1 year ago; no outstanding investigations; last symptoms 6 months ago; infrequent symptoms; symptoms have improved; no time off work.||Standard||Standard||Standard|
|3||Diagnosed with IBS 5 months ago; no outstanding investigations; monthly symptoms; symptoms have stayed the same; no time off work.||Standard||Terms wouldn’t be offered||Terms would be dependent on occupation|
|4||Diagnosed with IBS 2 months ago; no outstanding investigations; daily symptoms; symptoms have worsened; 2 weeks off work.||Terms wouldn’t be offered||Terms wouldn’t be offered||Terms wouldn’t be offered|