Date: January 2000
Definition:
Diagnosis of infection by any HIV provided that such infection is considered by us to be caused as a result of Occupational duties or accidental exposure of the life assured in the United Kingdom involving needle stick injury, injury with a sharp instrument or by mucous membrane exposure to blood or blood stained body fluid. There must be clear evidence, satisfactory to us, that the infection was acquired this way and the accident must have been reported in accordance with established medical and hospital procedures for reporting such accidents. For occupations where there is no official procedure in place the event must be reported to the police or your GP within 24 hours of the event. The life assured must have undergone a blood test within five days of the accident which indicated the absence of HIV or antibodies to such a virus and the accident must have been followed up with a further blood test within 12 months indicating the presence of HIV or antibodies to such a virus. All blood tests must be processed by a recognised hospital laboratory in the United Kingdom.
No change since July 1999