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assault taking place; |
and |
• Proof that the assault |
involved a definite |
source of the HIV |
infected fluids; and |
• Proof of sero-conversion |
from HIV negative to |
HIV positive occurring |
during the one hundred |
and eighty (180) days |
after the documented |
assault. This proof must |
include a negative HIV |
antibody test conducted |
within five (5) days of |
the assault. |
HIV infection resulting |
from any other means |
including consensual |
sexual activity or the use |
of intravenous drug is |
excluded. |
This benefit will not apply |
where a cure has become |
available prior to the |
infection. "Cure" means |
any treatment that renders |
the HIV inactive or noninfectious. |
Intermediate Stage |
that provided the |
transplant and the |
Institution is able to |
trace the origin of the |
HIV to the infected |
transplanted organ. |
This benefit will not apply |
where a cure has become |
available prior to the |
infection. "Cure" means |
any treatment that renders |
the HIV inactive or noninfectious. |
Advanced Stage1 |
• The source of the |
infection is established |
to be from the |
Institution that provided |
the blood transfusion |
and the Institution is |
able to trace the origin |
of the HIV tainted |
blood. |
B) Infection with the |
Human Immunodeficiency |
Virus (HIV) which resulted |
from an accident occurring |
after the date of issue, |
date of endorsement or |
date of reinstatement of |
this policy, whichever is |
the later whilst the life |
insured was carrying out |
the normal professional |
duties of his or her |
occupation in Singapore, |
provided that all of the |
following are proven to our |
satisfaction: |
• Proof that the accident |
involved a definite |
source of the HIV |
infected fluids; |
• Proof of sero-conversion |
from HIV negative to |
HIV positive occurring |
during the one hundred |
and eighty (180) days |
after the documented |
accident. This proof |
must include a negative |
HIV antibody test |
conducted within five (5) |
days of the accident; |
and |
• HIV infection resulting |
from any other means |
including sexual activity |
and the use of |
intravenous drugs is |
excluded. |
This benefit is only |
payable when the |
occupation of the life |
insured is a medical |
practitioner, housemen |
medical student, state |
registered nurse, medical |
laboratory technician, |
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