Reassure your client with the maximum level of Critical Illness Cover – featuring 50 full payment conditions and 40 additional payment conditions.
With Critical Illness Plus Cover your client benefits from:
- 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
- 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.
- 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 a valid claim is made 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 Critical Illness or CriticaI Illness Plus policy.
- Option to include Waiver of Premium Benefit if the client qualifies for the 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
