Asthma | Pre-Underwriting

Asthma

Life cover, Critical Illness and TPD – HSBC Life will offer standard rate decisions, increase to the premium or be unable to provide a quote.

There are some rules that apply across all applicants with asthma – that would result in HSBC Life not being able to offer Life, Critical Illness or TPD cover at the current time. Such as:

Requiring hospital admission in the last 6 months

Suffering continuous symptoms

If the applicant is able to confirm no to all of the above the outcome will then depend on their age, treatment, frequency of symptoms and smoker status.

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	Non smoker; diagnosed with asthma aged 10; last symptoms 3 years ago; infrequent symptoms; no hospital treatment; only inhalers used.	Standard	Standard	Standard
2	Non smoker; diagnosed with asthma aged 10; last symptoms 15 months ago; weekly symptoms; hospital treatment over 5 years ago; only inhalers used in the last 2 years; no time off work.	Standard	Standard	Standard
3	Non-smoker; diagnosed with asthma aged 10; last symptoms less than 1 year ago; weekly symptoms; hospital treatment 2 years ago; also required oral steroid tablets for 7 days in last 2 years; no time off work.	From +50% loading	From +25% loading	From +25% loading
4	Aged 40; smoker of 20 cigarettes per day; diagnosed with asthma aged 35; ongoing symptoms; symptoms are daily but not continuous; hospital treatment 2 years ago; also required oral steroid tablets for 31 days in last 2 years.	Terms wouldn’t be offered	Terms wouldn’t be offered	Terms wouldn’t be offered

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