Do medical requirements include HIV testing?

If life cover is required the premium rates applicable to clients that submit a negative HIV anti-body test result are a fraction of those where one chooses not to go for HIV testing. In addition all ancillary benefits are available where the client has submitted a negative HIV anti-body test result. In this case, in the event that you contract AIDS later and die from it, you will be fully covered.

If you do not wish to submit HIV test results the ancillary benefits listed above are not available for selection. The maximum sum assured is then limited to 5 times one’s annual salary, or P200 000, whichever is less.