Raised cholesterol
- Life cover – Quotes are possible with increased premiums or we may not be able to provide a quote
- Critical Illness and 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 raised cholesterol – that would result in HSBC Life not being able to offer Life, Critical Illness or TPD cover at the current time. Such as:
- Outstanding investigations or referrals with a cardiologist or other medical professional
- If they have any problems with your kidneys or eyes; or an abnormal ECG
- If they have associated cardiovascular complications, such as a history of heart attack, angina or stroke – this list is not exhaustive.
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 | Aged 35; non smoker; no outstanding referrals or investigations; past history of raised cholesterol; no current treatment; last cholesterol reading 3.8. | Standard | Standard | Standard |
| 2 | Aged 29; non smoker; no outstanding referrals or investigations; 1 current medication; last cholesterol reading 4.5. | Standard | Standard | Standard |
| 3 | Aged 60; non smoker; no outstanding referrals or investigations; 1 current medication; last cholesterol reading slightly raised; review within next 6 months. | +50% loaded | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 4 | Aged 60; smoker 20 cigarettes per day; no outstanding referrals or investigations; 2 current medications. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |