DEFINITION:
Occupational HIV Infection is defined as the diagnosis of Human Immunodeficiency Virus (HIV) resulting from accidental injury during the course of the Insured's normal occupation, which exposed the person to HIV contaminated body fluids. Payment under this condition requires satisfaction of all of the following:

• The accidental injury must be reported to the Company within 14 days of the accidental injury;
• An HIV test must be taken within 14 days of the accidental injury and the result must be negative;
• An HIV test must be taken between 90 and 180 days after the accidental injury and the result must be positive;
• All HIV tests must be performed by facilities approved by the Company;
• The accidental injury must have been reported, investigated and documented in accordance with Canadian workplace guidelines. No payment will be made if:
• The Insured 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 or intravenous drug use).

INTERPRETATION:
This benefit is designed for occupations where exposure to HIV infection may result from the performance of their regular duties; such as police offices, physicians, dentists, nurses and other health care providers including, but not limited to, ambulance paramedics. This coverage is strictly related to an occupational accident or injury. These occupations have established procedures for reporting and investigating, including testing, such incidents. Likewise, this definition has specific time frames and procedures that must be followed in order to qualify for benefits. Any HIV infection resulting from recreational drug use or from sexually transmitted means is not covered under this definition.