What MUST be completed before an insurer is permitted to test an individual for HIV?

Underwriting is the process insurers use to evaluate the risk of insuring an individual based on various factors, including health status. Although underwriting may involve health assessments, it does not directly authorize testing for HIV; rather, it is a broader evaluation stage that occurs after obtaining necessary consents.

Policy delivery refers to the process of providing the finalized insurance policy to the insured individual. This step occurs after all underwriting processes are completed and does not relate to the testing requirement for HIV. Delivery of the policy is a separate administrative task that follows the completion of the underwriting process.

A medical examination may be part of the underwriting process, but it is not a prerequisite for HIV testing. The examination may include various health assessments, but without prior consent, no specific tests, including HIV testing, can be performed.