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CR348 Exceptions Exclusion clause – Acquired Immune Deficiency Syndrome (AIDS) or HIV infection

CR348 Exceptions Exclusion clause – Acquired Immune Deficiency Syndrome (AIDS) or HIV infection, including all phases and consequence thereof Background The insurer in this instance is not a member of the Association of Savings and Investment SA (ASISA) and, as such, it is not bound by ASISA’s HIV protocol which provides that no member office […]

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CR183 Exclusion clause – HIV diagnosed after application date but prior to the commencement date.

CR183 Exclusion clause – HIV diagnosed after application date but prior to the commencement date. Background The life insured applied for a policy on 4 May 2004. On 14 June 2004 the life insured was diagnosed as being HIV positive. The commencement date of the policy was 1 July 2004. On 29 November 2004 he […]

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