Kidney stone
Kidney stone
- Life Cover, Critical Illness Cover & TPD – HSBC will offer standard rate decisions, increase to the premium 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 with no associated complications; removed by surgery; made a full recovery; single episode. | Standard | Standard | Standard |
| 2 | Kidney stone with no associated complications; passed naturally; 4 episodes in total; fully recovered; last symptoms 4 years ago. | Standard | Standard | Standard |
| 3 | Kidney stone with no associated complications; still present with no treatment; 4 episodes in total; 1 kidney only affected. | +25% loading | +50% loading | +50% loading |
| 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 |
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