Occupational HIV infection


Occupational HIV infection means a definite diagnosis of infection with Human Immunodeficiency Virus (HIV) resulting from accidental injury during the course of the insured person’s normal occupation, which exposed the person to HIV contaminated body fluids.

The accidental injury leading to the infection must have occurred after the later of:

  • the date the application for this policy was signed
  • the policy date, shown on the Policy summary, or
  • the most recent date this policy was put back into effect (reinstatement).

Payment under this condition requires satisfaction of all of the following:

  • the accidental injury must be reported to us within 14 days of the accidental injury
  • a serum HIV test must be taken within 14 days of the accidental injury and the result must be negative
  • a serum HIV test must be taken between 90 days and 180 days after the accidental injury and the result must be positive
  • all HIV tests must be performed by a duly licensed laboratory in Canada or the United States
  • the accidental injury must have been reported, investigated and documented in accordance with current workplace guidelines for Canada or the United States.

The diagnosis of occupational HIV infection must be made by a specialist.


No benefit will be payable under this condition if:

  • the insured person has elected not to take any available licensed vaccine offering protection against HIV
  • a licensed cure for HIV infection has become available prior to the accidental injury; or
  • HIV infection has occurred as a result of non-accidental injury including, but not limited to, sexual transmission and intravenous (IV) drug use.