Skip to contentSkip to Main Navigation

Protection products – cover summary

Protection products – cover summary

Product summary​

Here is a summary of the previous HSBC Life protection products which are now managed under the ownership of Chesnara Life.​

Death Benefit — A lump sum payment on death


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Terminal Illness Benefit — a lump sum payment on earlier Diagnosis of a Terminal Illness


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Critical Illness Benefit — (full payment condition) – a lump sum payment of the sum assured on diagnosis of one of the specified Critical Illnesses or when you undergo a specified surgical procedure or, where applicable, when you are placed on the NHS waiting list for surgery


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Critical Illness Benefit — (additional payment condition) – a specified lump sum payment on diagnosis of one of the specified Critical Illnesses or when you undergo a specific procedure or, where applicable, when you are placed on the NHS waiting list for surgery


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Increase policy cover amount — option to increase your cover amount in specified circumstance without the need for further underwriting


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Hospitalisation benefit due to accidental injury — A lump sum payment of £50,000 or 50% of the Sum Assured at the time of claim (whichever is lower) following an accident that results in physical injury which requires the Life Insured to stay in hospital for 30 or more consecutive days


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Free Cover — Cover from the date we receive your application, for up to 90 days or until we accept, postpone or decline the application, whichever is earliest.


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Children’s Critical Illness Benefit (i) — (full payment condition) – a specified lump sum payment upon diagnosis of a specified Critical Illnesses or a specified surgical procedure or, where applicable when placed on the NHS waiting list for surgery relating to a dependent child


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Children’s Critical Illness Benefit (i) — (additional payment condition) – a specified lump sum payment upon diagnosis of a specified Critical Illnesses or a specified surgical procedure or, where applicable when placed on the NHS waiting list for surgery relating to a dependent child


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Children’s Hospital Benefit (i) — £100 per day where a dependent child is required to stay in hospital between 7 and 30 consecutive nights


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Children’s Bereavement Assistance (i) — a lump sum payment to assist with costs in relation to death of any dependent Child/Children during the Policy term


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Separation benefit — in the event that the Lives Insured separate, under this benefit a joint Policy can be split into two single Policies without the need for any further medical information, allowing the Lives Insured the option to continue their cover independently


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Top Up Payments — a payment, in addition to the sum assured of £200,000 or the sum assured (whichever is lower) if the customer suffers with one of the following before age 60.
  • Blindness
  • Heart Failure
  • Kidney Failure
  • Liver Failure
  • Parkinsons Disease
  • Major Organ Transplant
  • Motor Neurone Disease
  • Open Heart Surgery
  • Traumatic Brain Injury


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Pregnancy Complications — Our pregnancy complication condition for the Chesnara Life Critical Illness Plus product will make a payment of £5,000 to the life assured (or policyholder), if they or their partner are diagnosed by a consultant obstetrician with of one of the seven specified conditions.


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 49
    Not Included
    Chesnara Life and Critical Illness Plus

Total Permanent Disability — Provides a lump sum payment upon diagnosis, before age 65, of the Life Assured’s Loss of physical or mental ability through an illness, which results in them not being able to undertake the main duties of their own occupation ever again. If over age 65, claims are assessed against the ‘Activities of Daily Living’ criteria.


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Life and Critical Illness Plus

Waiver of Premium — Min and max ages of 17 – 69, with deferred period of 26 weeks. Claims basis: ability to undertake Own Occupation if employed, or if not, Activities of Daily Living criteria. Claims can continue until the end of the policy term or aged 71 if earlier.


  • Warning: Undefined array key “chesnara_life_protection” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Life Protection

  • Warning: Undefined array key “chesnara_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Critical Illness

  • Warning: Undefined array key “chesnara_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Critical Illness Plus

  • Warning: Undefined array key “chesnara_life_and_critical_illness” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Life and Critical Illness

  • Warning: Undefined array key “chesnara_life_and_critical_illness_plus” in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81

    Warning: Trying to access array offset on value of type null in /var/www/wordpress/chesnara-api.spd.agency/wp-content/themes/hsbc-api/block-templates/sacomparisontable.php on line 81
    Not Included
    Chesnara Life and Critical Illness Plus
 Chesnara Life ProtectionChesnara Critical IllnessChesnara Critical Illness PlusChesnara Life and Critical IllnessChesnara Life and Critical Illness Plus
Death Benefit — A lump sum payment on death Included Not Included Not Included Included Included
Terminal Illness Benefit — a lump sum payment on earlier Diagnosis of a Terminal Illness Included Included Included Included Included
Critical Illness Benefit — (full payment condition) – a lump sum payment of the sum assured on diagnosis of one of the specified Critical Illnesses or when you undergo a specified surgical procedure or, where applicable, when you are placed on the NHS waiting list for surgery Not Included Included Included Included Included
Critical Illness Benefit — (additional payment condition) – a specified lump sum payment on diagnosis of one of the specified Critical Illnesses or when you undergo a specific procedure or, where applicable, when you are placed on the NHS waiting list for surgery Not Included The lower of £25,000 or 25% of the sum assured The lower of £50,000 or 50% of the sum assured The lower of £25,000 or 25% of the sum assured The lower of £50,000 or 50% of the sum assured
Increase policy cover amount — option to increase your cover amount in specified circumstance without the need for further underwriting Included Included Included Included Included
Hospitalisation benefit due to accidental injury — A lump sum payment of £50,000 or 50% of the Sum Assured at the time of claim (whichever is lower) following an accident that results in physical injury which requires the Life Insured to stay in hospital for 30 or more consecutive days Not Included Not Included Included Not Included Included
Free Cover — Cover from the date we receive your application, for up to 90 days or until we accept, postpone or decline the application, whichever is earliest. Included Not Included Not Included Included Included
Children’s Critical Illness Benefit (i) — (full payment condition) – a specified lump sum payment upon diagnosis of a specified Critical Illnesses or a specified surgical procedure or, where applicable when placed on the NHS waiting list for surgery relating to a dependent child Not Included The lower of £25,000 or 50% of the sum assured The lower of £50,000 or 50% of the sum assured The lower of £25,000 or 50% of the sum assured The lower of £50,000 or 50% of the sum assured
Children’s Critical Illness Benefit (i) — (additional payment condition) – a specified lump sum payment upon diagnosis of a specified Critical Illnesses or a specified surgical procedure or, where applicable when placed on the NHS waiting list for surgery relating to a dependent child Not Included The lower of £25,000 or 25% of the sum assured The lower of £30,000 or 50% of the sum assured The lower of £25,000 or 25% of the sum assured The lower of £30,000 or 50% of the sum assured
Children’s Hospital Benefit (i) — £100 per day where a dependent child is required to stay in hospital between 7 and 30 consecutive nights Not Included Not Included Included Not Included Included
Children’s Bereavement Assistance (i) — a lump sum payment to assist with costs in relation to death of any dependent Child/Children during the Policy term Not Included £5,000 £10,000 £5,000 £10,000
Separation benefit — in the event that the Lives Insured separate, under this benefit a joint Policy can be split into two single Policies without the need for any further medical information, allowing the Lives Insured the option to continue their cover independently Not Included Included Included Included Included
Top Up Payments — a payment, in addition to the sum assured of £200,000 or the sum assured (whichever is lower) if the customer suffers with one of the following before age 60.
  • Blindness
  • Heart Failure
  • Kidney Failure
  • Liver Failure
  • Parkinsons Disease
  • Major Organ Transplant
  • Motor Neurone Disease
  • Open Heart Surgery
  • Traumatic Brain Injury
 Not Included Not Included Included Not Included Included
Pregnancy Complications — Our pregnancy complication condition for the Chesnara Life Critical Illness Plus product will make a payment of £5,000 to the life assured (or policyholder), if they or their partner are diagnosed by a consultant obstetrician with of one of the seven specified conditions. Not Included Not Included Included Not Included Included
Optional benefits
Total Permanent Disability — Provides a lump sum payment upon diagnosis, before age 65, of the Life Assured’s Loss of physical or mental ability through an illness, which results in them not being able to undertake the main duties of their own occupation ever again. If over age 65, claims are assessed against the ‘Activities of Daily Living’ criteria. Not Included Included Included Included Included
Waiver of Premium — Min and max ages of 17 – 69, with deferred period of 26 weeks. Claims basis: ability to undertake Own Occupation if employed, or if not, Activities of Daily Living criteria. Claims can continue until the end of the policy term or aged 71 if earlier. Included Included Included Included Included
  • (i) Children’s Critical Illness Benefit covers any Child of a Life Insured (including natural, step and legally adopted Children of the Life Insured).
What critical illness conditions are covered?

Chesnara Life Online Health Services

  • Available for all existing and new policies, you’ll enjoy access to a world of healthcare from your phone, anytime, wherever you are.

Policy Booklets

Key resources

Click to view page: Literature Hub
Click to view page: Resource Library
Click to view page: FAQs