Complement your client’s life insurance with our maximum level of Critical Illness Cover – featuring 50 full payment conditions and 40 additional payment conditions. 
With Life Cover and Critical Illness Plus cover your client gains both forms of cover on a single plan and benefits from:

• House Purchase Cover for maximum of 90 days, this cover will start from the later of:
  • The date of exchange of contracts; or
  • The date we accept your client’s application
• Access to added value health benefits [Link to page]
• Hospitalisation benefit due to accidental injury – a £5,000 lump sum payment following an accident that results in physical injury that requires the insured to stay in hospital for 30 or more consecutive days
• Option to add Total Permanent Disability as an additional full payment condition
• Terminal illness benefit – a full sum assured pay-out if a customer is diagnosed with a terminal illness which is expected to lead to death within 12 months
• Joint Life Separation Benefit, whereby the policy can be split into two single policies without further underwriting questions being asked
• Free Cover – Cover from the date we receive your application, for up to 90 days or until we accept, postpone or decline the application, whichever is earliest. This means that if a valid claim is made the during this time period, we’ll pay out the cover requested for up to a maximum of £1m for all applications.
• Children are automatically covered when your client chooses an HSBC Life Critical Illness or CI Plus policy.

• Cover can be purchased for those aged 17 – 69, up to a maximum age at expiry of 80
• The maximum sum assured of £1.5m is available to those up to age 430, and £1m up to age 45
• Guaranteed Insurability Option up to 50% of the sum assured at the policy start date up to a maximum of £150,000
• A total of 50 full payment conditions
• 40 additional payment conditions: £50,000 or 50% of the sum assured (whichever is lower)
• Our definition of a heart attack is broader than the ABI’s, so if the consultant says it’s a heart attack, it’s a heart attack
• Available on level, decreasing (8%) and increasing (RPI) cover types
• Both single and joint cover options.
• Clients with Type 2 diabetes have the opportunity for Critical Illness Cover with a three-day turnaround from an initial blood test – no NHS records required
• Option to include Waiver of Premium Benefit once the client qualifies for core Life/Critical Illness/Life & Critical Illness cover:
• Age at entry: 17 – 69 (consistent with core product criteria)
• Deferred Period: 26 weeks
• Maximum claim expiry age: valid claims can continue until the end of the policy term or aged 71 if earlier
• Claim Qualifying/Assessment Criteria: Assessed at point and throughout the claim against the ability to undertake Own Occupation if employed, or if not, Activities of Daily Living criteria

What illnesses and conditions are covered?

• HSBC Life + Critical Illness Policy Booklet
• HSBC Life Critical Illness and HSBC Life Critical Illness Plus Policy Booklet
• HSBC Life Enhanced Digital Underwriting Factsheet