Other
HIV acquired in the course of normal occupational duties (typically healthcare or emergency-services workers) is a full-payout condition. Strict reporting and verification requirements apply — usually a baseline negative test, exposure incident report, and seroconversion within 6 months.
5 active trauma products from 5 insurers · 3 matrix cells on file
Each cell shows the payout status for Occupationally Acquired HIV under that product, with the verbatim definition + qualifier below. "Not on file" means the cell has not yet been extracted from that insurer's published wording.
| Insurer | Product | Payout | Wording effective |
|---|---|---|---|
| LifeOne Critical Illness Benefit | Not on file | 2026-05-17 | |
| LifeProtect Trauma Cover | Full payout HIV from accidental means during normal occupation or violent act; seroconversion within 6 months; negative test within 7 days; incident reported within 7 days | 2025-04-30 | |
| AIA Living Critical Conditions Cover | Not on file | 2026-05-18 | |
| Asteron Life Trauma Recovery Cover | Full payout Brochure | 2025-05-22 | |
| YouChoose Trauma Cover | Full payout Brochure | 2025-10-08 |
The exact text from each policy wording — no editorial gloss. Source PDF cited below each block.
Wording effective 2026-05-17 · confidence verified
No verbatim definition extracted for this condition on this product yet.
Wording effective 2025-04-30 · confidence verified
Infection by the Human Immunodeficiency Virus (HIV), acquired via accidental means during the course of carrying out the insured person's normal occupation, or a violent act of another person arising out of insured person's normal occupation, with sero-conversion to HIV infection occurring within six months of the accident. Any accident which may lead to a claim must be reported to the relevant authority or employer within seven days of the incident. The report must be supported by a negative HIV antibody test within seven days of the incident.
Source: https://www.fidelitylife.co.nz/media/bpbdqczq/life-protect-trauma-cover-policy-wording.pdf
Wording effective 2026-05-18 · confidence verified
No verbatim definition extracted for this condition on this product yet.
Wording effective 2025-05-22 · confidence brochure
HIV – occupationally acquired (Trauma Recovery benefit ü)
⚠ Source: insurer brochure (not the full policy wording). The wording contains the medical definition with clinical thresholds — request it from your adviser before claim decisions.
⚠ Source document dated 2025-05-22 — older than 12 months. Confirm currency with the insurer.
Source: https://www.asteronlife.co.nz/sites/default/files/documents/trauma-recovery-brochure.pdf
Wording effective 2025-10-08 · confidence brochure
HIV – Occupationally Acquired — Pays 100% of your sum insured.
⚠ Source: insurer brochure (not the full policy wording). The wording contains the medical definition with clinical thresholds — request it from your adviser before claim decisions.
GET /api/trauma-condition/occupational-hiv/matrix.json — full per-product cell + source paragraphGET /api/trauma-condition/occupational-hiv/summary.md — LLM-friendly markdown/api/product/{insurer}/{product}/facts.jsonA licensed adviser will walk you through which NZ trauma policies actually cover your situation.
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