HIV positive application

This specialist Altrisk policy offers life cover and accelerator benefits to people who are HIV positive. The benefits are the same as those available to all other clients, the only difference is the underwriting process and the inclusion of a specific disease management clause in the policy document.

The Altrisk accelerator benefits available include:

• Basic Critical Illness – covers cancer, heart attack, stroke and coronary artery bypass graft (CABG).
• Core Critical Illness – covers 33 conditions, including cancer, heart attack, stroke and coronary artery bypass graft (CABG), but excluding the accidental HIV infection benefit.
• Core Impairment – covers a range of specific, permanent conditions as a result of sickness, injury, disease, illness or a surgical operation. These include the loss of use of limbs; loss of hearing, sight or speech; traumatic head injuries; permanent mental or cognitive impairment; and the inability to perform 2 or more daily activities.

This benefit:

• Is a standalone benefit
• Has a minimum entry age of 18
• Has a maximum entry age of 65
• Has 1 guarantee period: experience rated (annually reviewable)
• Offers maximum cover of R2 million