EVERY YEAR IN THE UK, THERE ARE AROUND 11,000 HOSPITAL ADMISSIONS FOR
LOSSES DUE TO ECTOPIC PREGNANCIES AND 19,000 ADMISSIONS FOR MOLAR
PREGNANCIES, ACCORDING TO TOMMYS PREGNANCY AND
BABY CHARITY.
A lump sum payment could provide valuable financial support at an incredibly difficult time, allowing claimants to fund time off work, private counselling or a break to recuperate.
An important addition
Pregnancy can be an incredibly worrying time for some expectant parents, and it’ s clear that many would appreciate extra support. Our customer testing found that 68 % of people surveyed felt it was important or very important this enhancement was included in our critical illness cover 3.
Having children is also a huge driver for taking out critical illness in the first place. 68 % of customers say that having a child influences their decision of a critical illness policy, according to CIExpert data 4.
Need-to-knows for advisers
A LUMP SUM PAYMENT COULD PROVIDE VALUABLE FINANCIAL
SUPPORT AT AN INCREDIBLY DIFFICULT TIME.
• placental abruption – where the placenta starts to come away from the wall of the womb( but excluding placenta praevia where the cervix is completely covered by the placenta), or
• still birth after at least 24 weeks gestation.
Why this enhancement matters
Being pregnant should be a joyous time, but unfortunately complications are more common than you would hope.
Every year in the UK, there are around 11,000 hospital admissions for losses due to ectopic pregnancies and 19,000 admissions for molar pregnancies, according to Tommys pregnancy and baby charity 1. There were 2,612 stillbirths in 2023 and we’ re not on track to achieve the previous government’ s ambition of halving the 2010 stillbirth rate to 2.6 stillbirths per 1,000 total births by 2025 2.
• Available on new business only and the policy must have been in force for 9 months
• Payable if the policy holder or their partner * receive a definite diagnosis by a consultant obstetrician of one of the covered complications
• Additionally, children’ s critical illness cover is included as standard
• All our Critical Illness cover comes with Mental Health Support for the whole family as part of our Online Health Services 5.
Delivering good outcomes
Critical illness cover is meant to be there for people when they need it most. With these enhancements to our Plus policy, more people and their families could get the support they need to help get them through tough times. To get financial help to ease financial burdens, recovery and respite or improve their quality of life. Good outcomes for individuals can also potentially result from earlier treatment.
For full terms and conditions, including a list of exclusions please refer to the new Plus policy booklet.
Scan to view our latest enhancements
1 www. tommys. org / baby-loss-support / pregnancy-lossstatistics
2 www. gov. uk / register-stillbirth
3
Customer testing carried out in 2025
4
CIExpert Critical Thinking Report 2024
5
HSBC Life Online Health Services do not form part of your client’ s insurance policy and HSBC Life have the right to change or remove these additional health services at any time. Such a decision will not affect your client’ s insurance cover with HSBC Life in any way.
Disclaimers HSBC Life( UK) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 133435 and our registered office is at: 8 Canada Square, London E14 5HQ. Registered in England number 00088695. HSBC Life( UK) Limited is a member of the Association of British Insurers.
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