The Association of British Insurers (ABI) issued a Statement of Best Practice on HIV and Insurance during 2005, which all members, of which we are one, had to comply with by 30 September 2005. We support the Statement of Best Practice and were fully compliant by this date.
For further details of the most recent statement of best practice refer to ABI Statement of Best Practice on HIV and Insurance (PDF: 94KB).
Acquired Immunodeficiency Syndrome (AIDS) is caused by the Human Immunodeficiency Virus (HIV). The body's immune system is damaged by the virus and results in opportunistic infections or rare types of malignancy.
Despite advances in treatment, AIDS remains extremely relevant to underwriting as the short-term mortality risk remains high and there is no known cure.
We currently decline applicants with AIDS, or who are infected with HIV.
Each insurance company needs to have a policy on requesting HIV tests - a copy of our Policy on asking an applicant to take an HIV test (Q32252) (PDF: 36KB) is available.
Requesting a HIV test is through direct correspondence with your client. We are unable to disclose to an adviser that their client is required to have a HIV test. For details of the insurance guidelines visit: British Medical Association website or Association of British Insurers website
The following circumstances will result in a HIV test being requested:
Monday to Friday 9.00am to 6.00pm.
(With the exception of Thursday's when they open at 9.30am)
We may record and monitor calls. Call charges will vary.