Naevus (mole)
Naevus (mole)
- Life Cover, Critical Illness Cover & TPD – HSBC 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 not result in HSBC 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.
| 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 | No outstanding investigations or surgery; no family history of skin cancer; seen by GP; told not cancerous; last review 12 months ago; no current skin abnormalities; not under follow up. | Standard | Standard | Standard |
| 2 | No outstanding investigations or surgery; family history of skin cancer; seen by specialist; told not cancerous; last review 6 months ago; 7 moles or current skin abnormalities; not under follow up. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | No outstanding investigations or surgery; no family history of skin cancer; seen by GP only; don’t know if confirmed as non cancerous or not. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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