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36 CRITICAL ILLNESSES 

or DREAD DISEASES


DEFINITION OF THE DREAD DISEASE -

24.  OCCUPATIONALLY ACQUIRED HIV INFECTION

The life insured being infected by Human Immuno-deficiency Virus (HIV) where it was acquired as a result of an accident occurring during the course of carrying out normal occupational duties with sero-conversion to HIV infection occurring within six (6) months of the accident.  Any accident giving rise to a potential claim must be reported to the Company within thirty (30) days of the accident taking place supported by a negative HIV test taken within seven (7) days of the accident.

Infection in any other manner including infection as a result of sexual activity, blood transfusions or recreational intravenous drug use is specifically EXCLUDED.

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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