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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.

Osteoarthritis

Osteoarthritis

  • Life cover –  Quotes are possible with increased premiums up to a maximum +100% or we may not be able to provide a quote 
  • Critical Illness –  we will either offer standard rate decisions or be unable to provide a quote
  • TPD – we are unable to provide a quote.

There are some rules that apply across all applicants with irritable bowel syndrome (IBS) – that would result in HSBC Life not being able to offer Life or Critical Illness cover at the current time. Such as:

  • Any outstanding reviews or investigations
  • Being bedridden
  • Being under the age of 50 and applying for Critical Illness.

If the applicant is able to confirm no to all of the above the outcome will then depend on their age, date of diagnosis, treatment along with frequency and severity of symptoms.

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
1Aged 55; diagnosed with osteoarthritis 3 years ago; no outstanding investigations; taking painkillers only; minor ongoing symptoms, but not bedridden.StandardStandardTerms wouldn’t be offered
2Aged 55; diagnosed with osteoarthritis 3 years ago; pending joint replacement surgery; taking painkillers only; regular persistent symptoms with impact to mobility, but not bedridden.+50% loadingTerms wouldn’t be offeredTerms wouldn’t be offered
3Aged 40; diagnosed with osteoarthritis 3 years ago; no outstanding investigations; taking disease-modifying anti-rheumatic drugs (DMARDs); minor ongoing symptoms, but not bedridden.+75% loadingTerms wouldn’t be offeredTerms wouldn’t be offered
4Aged 40; diagnosed with osteoarthritis 3 years ago; no outstanding investigations; taking Disease-Modifying Anti-Rheumatic drugs (DMARDs); regular persistent symptoms with impact to mobility, but not bedridden.Terms wouldn’t be offeredTerms wouldn’t be offeredTerms wouldn’t be offered