Applying for life insurance with HIV/AIDs

A Human Immunodeficiency Virus (HIV) positive status is unlikely to prevent you from taking out life insurance due to a better understanding of HIV, advances in medical treatment, and reducing infection rates.
 
Our life insurance products do not contain automatic exclusions for HIV. You can still apply for life insurance cover and while your HIV status will be considered, the focus of the underwriting assessment will be on your general health, as well as your medical history.
 
If you are HIV positive, you may be asked additional questions about your diagnosis, such as the treatment plan, viral load and other related conditions.
 
In some cases, whether you are HIV positive or not, the answers you provide in your life insurance application may prompt us to request additional information from your doctor. 
 
Dependent on these responses you may be fully accepted for cover, have an exclusion or loading placed on the cover, or be declined cover. Disclosing your HIV status does not necessarily prevent you from making a claim for HIV if no exclusion for HIV has been applied to your life insurance policy.
 
When taking out life insurance, you must answer the questions that we ask honestly and truthfully with a reasonable care not to make a misrepresentation. If you don’t do so, this may impact any claim you make.
 
AIA Australia is a proud member of the Council of Australian Life Insurers (CALI). CALI advocates for national policy settings that expand Australians’ access to life insurance protection that suits them when they need it most.
 
CALI has developed a HIV/ Aids fact sheet which can be accessed here:

More information

For more details, CALI has prepared a Consumer Fact Sheet, that explains its commitment to consumers.

We’re here to help

If you have any further questions, please do not hesitate to contact us.

AIA’s Commitment: What You Need to Know

No, AIA life insurance products do not contain any automatic exclusions for HIV/ AIDS.

As part of your application for life insurance, we will not ask questions about your sexual preferences/ practices, or when it is known to us, we will not use this information to determine your risk of contracting sexually transmitted infection (STI), including HIV.

Yes, you can apply for life insurance cover. The process of the application would include a risk assessment where we will ask you a set of questions that includes information about your health. We will assess your medical history of any medical investigations and diagnosed medical conditions, as well as any treatment then inform you of our decision.
 
Depending on several factors such as your medical risk profile, the type of product benefit you are applying for and the underwriting guidelines; there may be some restrictions such as a loading or exclusion that may apply to your policy. In some cases, cover may not be offered.
 
We will explain to you, the outcome of the risk assessment, and the reasons for our decision (based on the information you have told us).