Parkinson’s disease
Family history of Parkinson’s disease
Parkinson’s disease
- Life Cover – HSBC Life will offer standard rate decisions, increase to the premium or be unable to provide a quote
- Critical Illness Cover & TPD – HSBC Life will offer standard rate decisions or be unable to provide a quote.
There are some rules that apply across all applicants with a family history of Parkinson’s disease – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover & TPD at the current time. Such as:
- More than 2 family members diagnosed with Parkinson’s disease
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.
| 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 | Applicant aged 40; 1 family member diagnosed with Parkinson’s disease at age 62. | Standard | Standard | Standard |
| 2 | Applicant aged 40; 1 family member diagnosed with Parkinson’s disease at age 48. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 3 | Applicant aged 40; 2 family members diagnosed with Parkinson’s disease at age 48 & age 45. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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