Multiple sclerosis
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Family history of multiple sclerosis
Multiple Sclerosis
Life Cover, Critical Illness Cover & TPD – HSBC 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 a family history of multiple sclerosis – that would not result in HSBC being able to offer Life Cover, Critical Illness Cover or TPD at the current time. Such as:
More than 2 family members diagnosed with multiple sclerosis
This is a general guide and is not a guarantee of acceptance.
NB The decision will vary based on the age of when the family history was diagnosed.
| 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 | Applicant aged 58; 1 family member diagnosed with multiple sclerosis at age 62. | Standard | Standard | Standard |
| 2 | Applicant aged 48; 1 family member diagnosed with multiple sclerosis at age 62. | Standard | +50% loading | +50% loading |
| 3 | Applicant aged 40; brother diagnosed with multiple sclerosis aged 38 & mother aged 43. | +50% loading | Terms wouldn’t be offered | Terms wouldn’t be offered |
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