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36 CRITICAL ILLNESSES 

or DREAD DISEASES

DEFINITION OF THE DREAD DISEASE -

23.  HIV BY BLOOD TRANSFUSION

The life insured being infected by Human Immuno-deficiency Virus (HIV) or Acquired Immuno-deficiency Syndrome (AIDS) provided that:

1. the infection is due to a blood transfusion received in Malaysia/Singapore after commencement of the policy; and

2. the institution which provided the transfusion admits liability.

In the event of a claim only 50% of the sum assured in force under the Basic Policy is payable.  The balance of the sum assured, if in force, will be payable in the event of a total and permanent disability claim or death or on the first diagnosis of another dread disease.  The premium under the Basic Policy will be waived.

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