Skip to content Skip to Main Navigation


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.

Pre underwriting guide

Here’s a summary of our benefit limits by age and the key medical conditions which will be accepted, considered or declined. It’s all part of helping you to ensure applications are processed smoothly and quickly to get your clients fully protected without delay.

Non-medical limits for HSBC Life Protection

Age attainedMaximum sum assured
Up to 30£800,000
31 to 35£750,000
36 to 40£650,000
41 to 45£500,000
46 to 50£400,000
51 to 55£300,000
56 to 60£200,000
61 to 65£100,000
66 to 69£75,000

Non-medical limits for HSBC Critical Illness and HSBC Critical Illness Plus

(standalone critical illness cover / accelerated life and critical illness cover)

Age attainedMaximum sum assured
Up to 30£500,000
31 to 35£500,000
36 to 40£500,000
41 to 45£400,000
46 to 50£300,000
51 to 55£150,000
56 to 60£150,000
61 to 65£75,000
66 to 69£50,000

Medical History, Occupation and Lifestyle

Clients with medical disclosures can be considered subject to additional questions being completed. Our dynamic, online underwriting system will guide you through the process. We will not be able to offer cover where your client discloses any of the conditions, occupations or pastimes shown in the ‘Cover not available’ column below.

The listed conditions aren’t exhaustive but capture the areas where we experience the highest rate of disclosure.

Medical conditions covered (subject to disclosures)Cover not available
AnaemiaMedical conditions:
AsthmaBenign brain tumour
Back painBowel polyp
Breast investigationsCancer (excluding skin)
Cone biopsyHeart attack
Crohn’s diseaseHeart disease
Diabetes (Type 1 and 2)Liver disease
Digestive disordersStroke
Ear disorders
Family historiesArmed forces
GoutAviation industry
GynaecologicalOil and gas industry
Heart murmurPublicans
High blood pressure
High cholesterolPastimes:
Hole in heartRiding a motorcycle on the road (under age 55)
Hormone treatment
Joint replacement
Ménière’s disease
Mental illness
Raynaud’s disease
Rheumatoid arthritis
Skin cancer
Ulcerative colitis

Additional pre-underwriting information

View our Underwriting FAQs for more information on:

  • Smoking
  • Occupations
  • Driving
  • Sports and pastimes
  • Travel