Top of main content
Father carrying son piggyback in park

Critical Illness Cover

Offering you and your loved ones financial support should you unexpectedly fall ill

If you’re struggling to pay your Life Cover, Critical Illness Cover or Income Cover monthly premiums because of coronavirus, help is available. Please visit our support page to find out more.

Life insurance

HSBC Critical Illness Cover

HSBC Critical Illness Cover is underwritten by HSBC Life (UK) Ltd and can

offer you and your loved ones financial support should you unexpectedly

fall ill.

  • A Lump sum of up to £1,000,000 on diagnosis paid free of UK income and capital gains taxes
  • Lump sum paid on diagnosis of one of the 35 specified Critical Illnesses or surgical procedures
  • Level or Decreasing Cover
  • Children's cover included

Are you a Premier customer?

Our dedicated Premier Managers can also discuss your protection only needs with you.


What is Critical Illness Cover?

We pay a lump sum on diagnosis of a specified illness to help support you and your family. Whether it's used to clear lending such as your mortgage, pay towards rehabilitation costs or to help you get back on your feet.

If you're not sure which products are right for you, you can use our financial planning tools to help you decide. Alternatively, if you require cover to protect a mortgage you can contact your local branch and a member of our team will be happy to discuss the options available with you.

What's covered?

Critical illnesses covered include:

  • Terminal Illness
  • Cancer - excludes less advanced cases
  • Heart Attack
  • Multiple Sclerosis
  • Stroke
  • Alzheimers / Dementia

What's not covered?

As with all insurance policies, terms and conditions, exclusions and limitations will apply.


How to apply

Services in our branches are currently limited because of the coronavirus outbreak. Unfortunately we are unable to offer new products or set up appointments at the moment.

We’re also receiving far more calls than usual, so our wait times are longer. Please only call us if it’s urgent, so we can help those most in need.

To be eligible for HSBC Life Insurance products:

  • You must be a UK resident. (Not including the Channel Islands or the Isle of Man)

Critical Illness eligibility requirements:

  • 17 or over and under 69 years of age.
  • Cover must cease before your 75th birthday.

For all products please read 'things you should know before you apply'

To apply over the phone please use our Telephone Protection Advice service. You will receive advice on the cover you require to meet your individual needs, and have access to cover from a range of providers.

Things you should know before you apply

  • Policy benefits are currently paid tax-free.
  • Life Insurance policies have no cash-in value.

Before applying, please take the time to read the following. You may also want to save some of these documents for future reference.

Existing policyholder

If you have a question about a HSBC Life policy, you can view our support pages, or you can call us on 0345 745 6125*


*Lines are open 8am to 6pm, Monday to Friday (excluding bank holidays). Calls may be monitored and/or recorded.

You might also be interested in

daughter hugging dad

Provides a lump sum payable on death or diagnosis of a terminal illness, as well as accidental death benefit.

man looking through window

Helps to replace an income if you're unable to work due to an accident or injury.

woman on phone

If you need to make a claim, contact our helpline for assistance as soon as you can.

It’s easy to get in touch online. Talk to us directly through our chat channels.