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If you’re struggling to pay your Life Cover monthly premiums because of coronavirus, help is available. Please visit our Frequently Asked Questions page for more information. Alternatively, please contact our HSBC Life Protection Plan Support team at Support@lifeprotectionplan.hsbc.co.uk or 0333 207 5563 to find out more.

Tinnitus

Tinnitus

  • Life cover & Critical Illness Cover –  HSBC Life 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 investigations in the last 5 years; 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; normal MRI scan 1 year ago and discharged from follow up; no hearing impairment; no time off work in the last 2 years.StandardTerms wouldn’t be offeredTerms wouldn’t be offered
3First diagnosed with tinnitus 2 years ago; not seen by a specialist for a year; no neurological impairments; normal MRI scan 1 year ago and remain under follow up; some hearing impairment; no time off work in the last 2 years.Terms wouldn’t be offered
Terms wouldn’t be offered
Terms wouldn’t be offered