Some insurers may also impose geographical restrictions when offering critical illness insurance quotes – for example, the critical illness policy may only cover HIV if the infection has occurred within the UK or EU.
The infection must have taken place after the start of the policy and must satisfy all of the following:
- The incident must have been suitably reported to the authorities who will then carry out an appropriate investigation.
- A negative HIV antibody test must be have been taken within 5 days of the incident if the infection occurred as a result of a physical assault, or whilst performing ones normal employment duties.
- 12 months after the incident, an additional HIV test must be performed, verifying the presence of HIV or antibodies to the virus.
Please note that a critical illness policy is unlikely to provide cover for HIV if the infection has been contracted by other means, such as through sexual activity or drug abuse. Please check the policy wording before you sign on the dotted line so you are clear what you are covered for and what is excluded.