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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 or 0333 207 5563 to find out more.



  • Life & Critical Illness Cover – will always be standard rate decisions
  • TPD – will either be standard rates or we will not be able to offer cover.

The outcome will then depend on their date of diagnosis, treatment and time off work along with frequency and severity of symptoms. TPD may be affected by the applicant’s occupation, depending on whether its occupation specific or generic activities of daily living.

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 whiplash 3 years ago; last had symptoms over 2 years ago.StandardStandardStandard
2First diagnosed with whiplash 3 years ago; last had symptoms 18 months ago.StandardStandardTerms would be dependent on occupation
3First diagnosed with whiplash 2 years ago; last had symptoms 9 months ago.StandardStandardTerms wouldn’t be offered