|Critical illness policies and HIV+ status
Nov 23, 2003
I took out a critical illness policy about 5 years ago for which I had to take an HIV test and was negative. I'm now positive and am concerned that if I were to get cancer or one of the other illnesses which would normally cause the policy to pay out - would the insurer check again my HIV status and try to invalidate my case for receiving any payment under the policy? If so - is there any point continuing to pay premiums? Simon. ps while I'm here can I thank you all for this website and your assistance ... it's really fantastic!
| Response from Ms. Breuer
You and the insurer have documentation that you were HIV negative when you obtained the policy. You would not be making a claim under false pretenses if you were to file an HIV-related or any other claim at this point. The testing an insurer does at the point of issuing a policy is a snapshot in time, not a guarantee that the policyholder's health status will never change.
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