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assault taking place;
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and
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• Proof that the assault
|
involved a definite
|
source of the HIV
|
infected fluids; and
|
• Proof of sero-conversion
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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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