Tinnitus
Tinnitus
There are some rules that apply across all applicants with tinnitus – that would result in HSBC Life not being able to offer Life Cover or Critical Illness Cover at the current time. Such as:
- Any outstanding reviews or investigations
- Any dizziness, weakness, speech impairment or other neurological impairments.
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 | First diagnosed with tinnitus 6 years ago; not seen by a specialist for 2 years; no neurological impairments; no hearing impairment; no time off work in the last 2 years. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
| 2 | First diagnosed with tinnitus over 2 years ago; no neurological impairments; 1 episode only; no hearing impairment; no symptoms in the last year; not working in a noisy environment. | Standard | Standard | Standard |
| 3 | First diagnosed with tinnitus 2 years ago; seen by a specialist in the last 6 months; no neurological impairments; some hearing impairment – difficulty in noisy situations. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
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