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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,