State RegulationsOH specificDifficulty 3/5
An Ohio applicant signs a life insurance application authorizing a routine paramedical examination and blood work. The insurer also wants HIV screening from the same blood draw. Which statement is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3901.46(A) and (B)(1) treat HIV-related tests as a special category: they require specific informed written consent that is separate from any general exam or blood-work authorization. A general paramedical authorization lets the insurer run ordinary underwriting tests, but the HIV screen stands or falls on its own written consent, protecting the applicant's heightened privacy interest.
Why the other options are wrong
- A) The general authorization does not extend to HIV testing; the statute requires consent specific to the HIV test.
- B) Verbal consent fails the statute twice: the consent must be both written and informed specifically for the HIV test.
- D) HIV testing is permitted for underwriting in Ohio; what the law requires is the specific informed written consent, not an outright ban.
Memory hook
Same needle, different consent: sign for HIV separately.