Family history of breast or ovarian cancer
Family history of breast or ovarian cancer
For male applicants, this is not a specified question and any disclosure of family history of breast or ovarian cancer should be made under the ‘other cancer’. Please see that page for specific details and scenarios
For female applicants:
- Life Cover, Critical Illness Cover & TPD – HSBC will offer standard rate decisions, increase to the premium or be unable to provide a quote (if associated with other conditions).
There are some rules that apply across all applicants with a family history of breast or ovarian cancer – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:
- been advised to take medication
- been advised to have, or already had, surgery
- been advised to go for screening or start screening at an earlier age.
This is a general guide and is not a guarantee of acceptance.
NB: The decision will vary based on the age of the applicant and the age of the family history was diagnosed.
| Example | Scenario | Life Cover | Critical Illness Cover | TPD Cover |
|---|---|---|---|---|
| Assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits | ||||
| 1 | Applicant aged 66; 1 family member diagnosed with breast cancer at age 61; no wider family history of breast or ovarian cancer. | Standard | Standard | Standard |
| 2 | Applicant aged 55; 1 family member diagnosed with ovarian cancer at age 61; no wider family history of breast or ovarian cancer. | Standard | +50% loading | +50% loading |
| 3 | Applicant aged 42; 1 family member diagnosed with breast cancer at age 61; no wider family history of breast or ovarian cancer. | Standard | Terms wouldn’t be offered | Terms wouldn’t be offered |
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