Date: July 1999
Diagnosis of infection by any Human Immunodeficiency virus (HIV) provided such infection was caused by a physical assault on the life assured in the UK involving needle stick injury, injury with a sharp instrument or by mucous membrane exposure to blood or blood stained body fluid. There must be clear evidence, satisfactory to us, that the infection was acquired in this way and the assault must have been reported to the police within 24 hours of its occurrence. You must have undergone a blood test within five days of the assault which indicated the absence of HIV or antibodies to such a virus and the assault must have been followed up with a further blood test within twelve months indicating the presence of HIV or antibodies to such a virus. All blood tests must be processed by a recognised hospital laboratory in the United Kingdom.