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Coronavirus

If you’re struggling to pay your Life Cover monthly premiums because of coronavirus, help is available. Please visit our Frequently Asked Questions page for more information. Alternatively, please contact our HSBC Life Protection Plan Support team at Support@lifeprotectionplan.hsbc.co.uk or 0333 207 5563 to find out more.

Naevus (mole)

Naevus (mole)

  • Life Cover, 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 regards to a naevus or mole – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:

  • Any outstanding reviews or investigations
  • Any malignancy or cancer diagnosis.

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

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
1No outstanding investigations or surgery; no family history of skin cancer; seen by GP only 12 months ago; no current skin abnormalities; not under follow up.StandardStandardStandard
2No outstanding investigations or surgery; family history of skin cancer; seen by specialist 12 months ago; 2 current skin abnormalities; not under follow up.StandardTerms wouldn’t be offeredStandard
3No outstanding investigations or surgery; family history of skin cancer; seen by specialist 12 months ago; 2 current skin abnormalities; under follow up.Terms wouldn’t be offeredTerms wouldn’t be offeredTerms wouldn’t be offered