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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.

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.

Common medical conditions & family history

Clients with medical disclosures can be considered subject to additional questions being completed. Our dynamic, online underwriting system will guide you through the process.

The table below listing conditions isn’t exhaustive, but captures the areas where we experience the highest rate of disclosure. Click on the individual conditions or family history for examples of what cover might be offered.

Medical conditions (Click through for more information)Family history (Click through for more information)
Abnormal cervical smearAlzheimer’s disease
Back painColorectal (bowel) cancer & bowel polyps
Breast lumpDiabetes
CancerHeart attack, angina or stroke
CystitisMuscular dystrophy, Huntington’s disease or motor neurone disease
DiabetesMultiple sclerosis
GoutOther cancer
HypertensionParkinson’s disease
Hypothyroidism (under active thyroid)Polycystic kidney disease
Irritable bowel syndrome
Kidney stone
Mental health
Naevus (Mole)
Raised cholesterol
Suicide & deliberate self harm

Other medical conditions & lifestyles

Medical conditions covered (subject to disclosures)

  • Anaemia
  • Cone biopsy
  • Digestive disorders
  • Ear disorders
  • Epilepsy
  • Gynaecological
  • Heart murmur
  • Hole in heart
  • Hormone treatment
  • Joint replacement
  • Ménière’s disease
  • Pleurisy
  • Pneumonia
  • Raynaud’s disease
  • Rheumatoid arthritis
  • Ulcerative colitis
  • Vertigo

Medical conditions where cover is not available

  • Aneurysm
  • Angina
  • Benign brain tumour
  • Heart attack
  • Heart disease
  • Huntingdon’s disease

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

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

Additional pre-underwriting information

View our Underwriting FAQs for more information on:

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