Abnormal Cervical Smear | Pre-Underwriting

Abnormal cervical smear

Life Cover, Critical Illness Cover & TPD – HSBC Life will either offer standard rate decisions or be unable to provide a quote

There are some rules that apply across all applicants with a history of an abnormal cervical smear(s) – that would result in HSBC Life not being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:

Any outstanding reviews or investigations

Any malignancy or cancer diagnosis

Any treatment involving chemotherapy or radiotherapy.

This is a general guide and is not a guarantee of acceptance.

Example	Scenario (assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits)	Life Cover	Critical Illness Cover	TPD Cover
1	Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment (chemotherapy, radiotherapy or hysterectomy); attends regular cervical smear tests as required; last cervical smear test was normal.	Standard	Standard	Standard
2	Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment, but referred to colposcopy clinic; nothing abnormal found at colposcopy review; discharged from colposcopy clinic without follow up; attends regular cervical smear tests as required; last cervical smear test was normal.	Standard	Standard	Standard
3	Not diagnosed with cancer; no outstanding investigations or surgery; no major treatment, but referred to colposcopy clinic; nothing abnormal found at colposcopy review; discharged from colposcopy clinic without follow up; attends regular cervical smear tests as required; last cervical smear test was abnormal.	Terms wouldn’t be offered	Terms wouldn’t be offered	Terms wouldn’t be offered

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