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.
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A Lump sum of up to £1,000,000 on diagnosis paid free of UK income and capital gains taxes
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Lump sum paid on diagnosis of one of the 35 specified Critical Illnesses or surgical procedures
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Level or Decreasing Cover
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Children's cover included
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 08:00 to 17:00, Monday to Friday (excluding bank holidays). Calls may be monitored and/or recorded.
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.
We won’t usually cover you within the first 90 days of the policy start date or if you don’t survive for a period of 10 days from the date of diagnosis.
For full details of cover, download the Critical Illness Cover policy document and summary of cover. (PDF, 5.5MB)
Please note, this Critical Illness Cover document applies to new policies only.
If you already have a policy, your existing terms may vary. Please call us on 0345 745 6125 to find out more.
Lines are open 08:00 to 17:00, Monday to Friday (excluding bank holidays). Calls may be monitored and/or recorded.
How to apply
As services in our branches are currently limited because of the coronavirus outbreak, we are unable to offer HSBC Critical Illness Cover at the moment.
However, we do offer a range of critical illness protection products through our protection advice service. If you’re interested in using this service, please email us at wealthadvicecentre@hsbc.co.uk and an adviser will be in touch to arrange an introductory call.
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'
Things you should know
- Policy benefits are currently paid tax-free.
- Life Insurance policies have no cash-in value.
If you would like more information on HSBC Critical Illness Cover, please take the time to read the following. You may also want to save some of these documents for future reference.
Please note, this Critical Illness Cover document applies to new policies only.
If you already have a policy, your existing terms may vary. Please call us on 0345 745 6125 to find out more.
Lines are open 08:00 to 17:00, Monday to Friday (excluding bank holidays). Calls may be monitored and/or recorded.
Frequently asked questions
You might also be interested in

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

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

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