HSBC Critical Illness Cover

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HSBC Critical Illness Cover

HSBC is one of the most famous banks on the high-street and is known as the ‘Word’s local bank’. As well as other protection products they provide excellent critical illness cover, often as part of their HSBC LifeChoices packages.

If you are diagnosed with a specified condition the policy will pay out a lump sum payment to help you and your loved ones adapt to new circumstances.

They refer to critical illness cover as serious illness cover but it is very similar and covers cancer, heart attacks, strokes, multiple sclerosis and coronary artery by-pass grafts.

HSBC a very high profile name which we consider a good thing, especially as they came out of the recent financial problems as the strongest UK bank. If you take out a life assurance policy you want to know that the underwriter will be around in the future to pay out; this is less of a concern with a truly global company like this.

A customer can purchase the critical illness cover up to £500,000. It also takes into account the period of inflation and automatically upgrades the amount. The cover encompasses a wide range of possible illnesses from minor to major ones. Applicants need to be aged between 16 to 55 to be eligible to apply.

About HSBC

HSBC is a popular brand name in the banking, investing and insurance. It rightly calls itself ‘the world’s local bank’ because of its reach and presence in important places all over the globe. It has a wide customer base and is a trusted market name in every country. It is renowned for its financial strength because of its policy of adaptation according to the changing financial scenario of the world and the fact that it is concentrating on growing the brand in the Emerging Economies instead of established ones.

Its presence in Asia has led to the rapid increase in its growth. In every country, they are sensitive to the local needs of its customers and adapts its policy to the emerging trends of the market. The company believes in its policy of sustainable growth, as a result they do not only focus on acquisitions but instead it is largely organic growth.

Company History

The company is based in Canary Wharf, London. However the HSBC Group dates back to the 18th century and stands for Hong Kong Shanghai Banking Corporation. In 2010 it is said to be the sixth largest banking and financial services group in the world. However, it has an international presence of 8,000 offices in 87 countries comprising of various continents like North and South America, Europe, Middle East and Asia Pacific. It has around 100 million customers worldwide. It has a huge number of shareholders and staffs more than 300 employees on average in each country.

Other Insurance Plans by HSBC

The company duly provides unemployment and sickness cover through HSBC Lifechoices there are a multitude of combinations available to the customers. Policy benefits at the current moment are exempted from tax payments. Apart from covering insurance for healthcare and life, it also provides for travel, car, home, card protection and student insurance.

Reviews of the Company

The official website has a number of reviews of satisfied customers. HSBC has more often than not been in the news with regard to its various mergers and expansion of financial base, but it is also in the news with happy customers who are happy with its solid footing. On the whole the company has an excellent track record and tries to focus on customer service. Go to reviewcentre and a leave a review if you have any experience of their LifeChoices products.

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