Under underwriting, which statement about opt-out for HIV testing is true?

Under underwriting, which statement about opt-out for HIV testing is true?

• A. Applicants may opt-out
• B. Applicants may not opt-out
• C. Opt-out only for minors
• D. Opt-out only with physician consent

Answer: (A)

HIV testing in underwriting is based on informed consent, and applicants have autonomy over whether the test is performed. The true idea is that applicants may opt-out of HIV testing without it preventing coverage decisions. If they choose not to be tested, the underwriter uses other information to assess insurability and determine any premium or rating based on the available data. It is not limited to minors, does not require physician consent, and it is not correct to say applicants may not opt-out.

HIV testing in underwriting is based on informed consent, and applicants have autonomy over whether the test is performed. The true idea is that applicants may opt-out of HIV testing without it preventing coverage decisions. If they choose not to be tested, the underwriter uses other information to assess insurability and determine any premium or rating based on the available data. It is not limited to minors, does not require physician consent, and it is not correct to say applicants may not opt-out.