Irritable bowel syndrome
Irritable bowel syndrome
- Life Cover, Critical Illness and TPD – HSBC will either offer standard rate decisions or be unable to provide a quote.
This assumes that other bowel diseases, such as Crohn’s 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 Cover, 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; no associated complications; no symptoms in last year; seen by a specialist; IBS confirmed; symptoms improved; no time off work. | Standard | Standard | Standard |
| 2 | Diagnosed with IBS 1 year ago; no outstanding investigations; infrequent symptoms in last year; no effect on daily life; seen by a specialist; IBS confirmed; symptoms stayed the same; no time off work | Standard | Standard | Standard |
| 3 | Diagnosed with IBS 5 months ago; no outstanding investigations; monthly symptoms in last year; seen by a specialist; has affected daily activities but no time off work; symptoms have stayed the same. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 4 | Diagnosed with IBS 2 months ago; no outstanding investigations; seen by GP only. | 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.