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Legal and regulatory update for the life and health insurance sector

Quality Product Research: Proposed rating for HIV


According to the New Zealand AIDS Foundation, in 2020, 162 New Zealanders were diagnosed with HIV – the lowest number since 2012. Advancements in reproductive medicine have led to a low prevalence of the virus in our country and ultimately a low weighting in our Trauma Research. We have renamed Medically Acquired HIV to HIV and rated insurers based on the coverage they offer for both Medically and Occupationally acquired HIV.

For more information on HIV in NZ click here

Sub-items rating review

Please find our proposed rating below: 



Our Research rating reflects the similar approach insurers take with their HIV definition. While AMP Lifetrack and Westpac require an incidence report within 14 days, most other insurers request a 30-day notice period, and a negative HIV antibody test must support a potential claim. AMP also includes the previous requirement for any claims outside of NZ or Australia, whereas Westpac entirely excludes any overseas coverage. Most insurers also require evidence of medically acquired HIV from a recognised health authority and after reviewing several online resources, the likelihood of this seemed relatively low.

Your feedback

We value getting your feedback on how these wordings are being applied to claims you may be aware of. Please email us with details of any recent claims to help us update our understanding.

Doreen Dutt, Research Manager, researcher@qpresearch.co.nz



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