Under California law, how may an insurer treat HIV/AIDS in underwriting a health, life, or disability application?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California Insurance Code Section 799 prohibits insurers from refusing to issue, canceling, or charging a different rate for coverage based solely on an applicant's HIV or AIDS status. An insurer may require an HIV test as part of underwriting, and it may use test results and medical evidence in risk classification, but the mere fact of HIV status cannot trigger automatic denial or discriminatory pricing. The statute is designed to prevent unfair discrimination against individuals with HIV/AIDS while still permitting legitimate risk evaluation based on medical evidence.
Why the other options are wrong
- B) Automatic declination based solely on HIV status is precisely what Section 799 prohibits, so a blanket rejection of positive applicants is unlawful. 加州法律禁止以 HIV 感染状态作为拒绝承保或差别定价的依据。 HIV/AIDS 适用专门条款约束核保与定价行为，考生应熟记其边界。 加州法律禁止以 HIV 感染状态作为拒绝承保或差别定价的依据。
- C) Charging a higher premium solely because of HIV/AIDS is discriminatory and barred under Section 799's equal-treatment mandate. 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。
- D) HIV testing may be part of underwriting but cannot be imposed on every applicant for every policy; the ban targets status-based discrimination, not testing per se. 加州法律禁止将与承保风险无关的因素用于定价或拒保。 核保与定价依据的是与风险直接相关的因素，其他信息不能作为依据。 加州法律禁止将与承保风险无关的因素用于定价或拒保。
Memory hook
HIV status alone cannot sink your application. Test results may inform risk, but the label itself is off-limits.