Family history of other cancer
Family history of other cancer
- Life Cover, Critical Illness Cover & TPD – HSBC will offer standard rate decisions or unable to provide a quote.
There are some rules that apply across all applicants with a family history of other cancer – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:
- The customer requiring any tests or investigations due to family history
- More than 2 family members diagnosed with other cancer.
This is a general guide and is not a guarantee of acceptance.
NB The decision will vary based on the age of the applicant and the age of the family history was diagnosed.
| Example | Scenario | Life Cover | Critical Illness Cover | TPD Cover |
|---|---|---|---|---|
| Assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits | ||||
| 1 | 1 family member diagnosed with other cancer at age 60; applicant not advised to have any tests or investigations. | Standard | Standard | Standard |
| 2 | 2 family members diagnosed with other cancer at ages 47 & 60; applicant not advised to have any tests or investigations; family members NOT diagnosed with same type of cancer. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | 2 family members diagnosed with other cancer at ages 47 & 60; applicant not advised to have any tests or investigations; family members diagnosed with same type of cancer. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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