If you are diagnosed with a specified illness, a lump sum of money could help support you and your family. Our critical illness insurance covers 41 health conditions. 

• Cover can be purchased for those aged 17 – 69, up to a maximum age at expiry of 80 

• A total of 39 full payment conditions 

• 2 additional payment conditions: less advanced breast cancer and prostate cancer, for a lump sum of £25,000 or 25% of the sum assured (whichever is lower) 

• Available as level, decreasing and increasing cover types 

• Both single and joint cover options. 

When purchasing through an independent financial adviser, HSBC Life also offers an optional ‘Waiver of Premium’ where you won’t have to pay policy premiums if you are unable to work due to an accident, sickness, or you can’t carry out certain activities. This can be taken at an additional cost. 

Critical illness Ccover can pay you a lump sum if you suffer a stroke or heart attack or are diagnosed with a specified illness. You could then use this to cover your mortgage and rehabilitation costs.  

It could be particularly important if you have family who rely on your salary. Some of the most common conditions covered by our critical illness cover are: 

• cancer – excluding less advanced cases 

• heart attack 

• stroke 

• heart bypass 
• multiple sclerosis 

For a full list of the conditions covered, see the Policy Booklet. You can find a link at this bottom of this page. 

HSBC Life Critical Illness Policy Summary 

HSBC Life Critical Illness Policy Booklet