Osteoarthritis

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

Critical Illness – we will either offer standard rate decisions or be unable to provide a quote

TPD – we are unable to provide a quote.

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

Any outstanding reviews or investigations

Being bedridden

Being under the age of 50 and applying for Critical Illness.

If the applicant is able to confirm no to all of the above the outcome will then depend on their age, date of diagnosis, treatment along with frequency and severity of symptoms.

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	Aged 55; no outstanding investigations; not had surgery; taking painkillers only; not under review by hospital specialist; minor ongoing symptoms; one joint affected only.	Standard	Standard	Terms wouldn’t be offered
2	Aged 55; pending joint replacement surgery; taking painkillers only; regular persistent symptoms with impact to mobility, but not bedridden.	+50% loading	Terms wouldn’t be offered	Terms wouldn’t be offered
3	Aged 40; no outstanding investigations; not had surgery; taking Methotrexate; under review by hospital specialist; ongoing symptoms with some restriction to activities.	+75% loading	Terms wouldn’t be offered	Terms wouldn’t be offered
4	Aged 40; no outstanding investigations; not had surgery; taking Methotrexate and steroids; not under review by hospital specialist; regular persistent symptoms.	Terms wouldn’t be offered	Terms wouldn’t be offered	Terms wouldn’t be offered

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