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Critical Illness Cover

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

Critical Illness Cover

Critical Illness Cover can offer you and your loved ones financial support if you unexpectedly fall ill.

  • Receive a lump sum on diagnosis of a specified critical illness or surgical procedure, including cancer, heart attack and stroke

  • Lump sum paid free of UK income and capital gains taxes

  • Available as an optional add-on when you apply online for Life Cover

  • Standalone Critical Illness policy without life cover available through our advisers

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 18:00, Monday to Friday (excluding bank holidays). Calls may be monitored and/or recorded.

What is Critical Illness Cover?

Critical Illness Cover can help support you and your family by paying a lump sum on diagnosis of a specified illness or surgical procedure. It can be used to help you with bills and day-to-day expenses, or you could use it to fund private medical care.


What's covered?

Critical illnesses covered include:

  • Terminal illness

  • Cancer - excludes less advanced cases

  • Heart attack

  • Multiple sclerosis

  • Stroke

  • Alzheimers/dementia

We offer Critical Illness Cover as an add-on when you apply online for our Life Cover. Cover is provided by HSBC Life (UK) Limited. In 2021, HSBC Life paid 95.5% of Critical Illness Cover claims it received.

If you'd like to buy a standalone Critical Illness Cover policy without life cover, our protection advisers are available to help via video or phone call. 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.

What's not covered?

As with all insurance policies, certain 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.

With Critical Illness Cover bought as an add-on, if you cancel your Critical Illness policy or make a successful claim, your Critical Illness policy will end but your Life Cover policy will continue. If you cancel your Life Cover policy or make a successful Life Cover claim, your Critical Illness Cover will end.

For full details of cover available as an add on when you apply for Life Cover online, download the Critical Illness Cover policy document and summary of cover (PDF, 225KB).

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 18:00, Monday to Friday (excluding bank holidays).

Things you should know

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

How to apply

You can take out HSBC Critical Illness Cover as an add-on when you apply online for HSBC Life Cover.


If you'd like to buy a standalone Critical Illness Cover policy without life cover, our protection advice service is available - at no extra cost - to HSBC UK customers who are UK residents aged 18 and over. 

If you’re interested in using this service, please email us at and an adviser will be in touch to arrange an introductory call.

When applying for an HSBC mortgage, one of our Mortgage Advisers will also be able to discuss Critical Illness Cover with you.

Frequently Asked Questions

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


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

It's easy to answer your query online. Visit our Help page to find out how.