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Tinnitus

Tinnitus

Tinnitus

  • Life cover & Critical Illness Cover –  HSBC will either offer standard rate decisions or be unable to provide a quote.
  • TPD – we will not be able to offer cover.

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.

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
1First 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.StandardStandardTerms wouldn’t be offered
2First diagnosed with tinnitus 4 years ago; not seen by a specialist for a year; no neurological impairments; minimal hearing impairment.StandardTerms wouldn’t be offeredTerms wouldn’t be offered
3First 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