- Life Cover – HSBC Life will offer standard rate decisions, increase to the premium or be unable to provide a quote (if associated with other conditions)
- Critical Illness Cover & 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 a history of a kidney stone – that would result in HSBC Life being not able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:
- Any outstanding hospital referrals, reviews or investigations
- Having only 1 kidney; the stone causing a blockage; being on dialysis.
This is a general guide and is not a guarantee of acceptance.
NB TPD outcomes may differ based on occupation type
|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||Kidney stone removed by surgery; made a full recovery; single episode.||Standard||Standard||Standard|
|2||Kidney stone passed naturally; 4 episodes in total; fully recovered; last symptoms 4 years ago.||Standard||Standard||Standard|
|3||Kidney stone still present; no treatment; 4 episodes in total; 1 kidney only affected.||+25% loading||Terms wouldn’t be offered||Terms wouldn’t be offered|
|4||Kidney stone removed by surgery; made a full recovery; 4 operations in total required.||Terms wouldn’t be offered||Terms wouldn’t be offered||Terms wouldn’t be offered|