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:
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 | Standard | Terms wouldn’t be offered |
2 | First diagnosed with tinnitus 4 years ago; not seen by a specialist for a year; no neurological impairments; minimal hearing impairment. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
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 |
Our Pre-Sales Underwriting Tool answers common pre-application enquiries and provides an instant, indicative underwriting decision.