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Multiple sclerosis

Multiple sclerosis

Family history of multiple sclerosis

Multiple Sclerosis

  • 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 family history of multiple sclerosis – that would not result in HSBC being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:

  • More than 2 family members diagnosed with multiple sclerosis

This is a general guide and is not a guarantee of acceptance.

NB        The decision will vary based on the age of when the family history was diagnosed.

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
1Applicant aged 58; 1 family member diagnosed with multiple sclerosis at age 62.StandardStandardStandard
2Applicant aged 48; 1 family member diagnosed with multiple sclerosis at age 62.Standard+50% loading+50% loading
3Applicant aged 40; brother diagnosed with multiple sclerosis aged 38 & mother aged 43.+50% loadingTerms wouldn’t be offeredTerms wouldn’t be offered