Critical Illness Cover

Your policy covers certain illnesses, which are listed and described in the policy document.

The policy is designed to cover specific listed illnesses and may not cover an illness which is described as ‘critical’ by the medical profession.

For full details of cover, download the policy document.

If you already have a policy, your existing terms may vary. Please call HSBC Life on 0345 745 6125 to find out more. Lines are open 08:00 to 18:00 from Monday to Friday, excluding bank holidays.

You can cancel your HSBC policy at any time by calling HSBC Life on 0345 745 6125. Lines are open 08:00 to 18:00 from Monday to Friday, excluding bank holidays.

If you’re unsure if your cover still meets your needs, you may wish to speak to a financial adviser. If you're experiencing financial difficulty, we may be able to help, please visit Managing your policy.

Critical Illness insurance can cover pre-existing conditions.

Critical Illness cover is underwritten at application stage so it’s important you carefully read and answer the medical questions to ensure we’re made aware of any pre-existing conditions you may have.

We’ll then review your application to establish if cover can be provided.

If you’re unsure about how much critical illness cover you need, you can talk to one of our protection advisers. They’ll spend time getting to know your situation then recommend a policy that's right for you from our hand-picked list of providers.

Our protection advice service is available at no extra cost to HSBC customers who are UK residents aged 18 and over.

Critical illness cover payments are paid gross and are therefore not subject to income tax. The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future 

Critical illness cover is not based on your personal circumstances. If you have a valid claim, critical illness cover would pay the value of the sum we agreed to insure you for, as stated in your policy schedule.