Recently I was hospitalized in India in April and came back to USA in August and applied for life insurance in August 30 and they did blood work and sent me medical blood exam but I don’t see hiv test in it but I was told that life insurance companies always do hiv test before giving policy and now they came back saying my blood pressure and colostrol was high so I need to pay high premium and they also mentioned that there are no major issues other that these two issues.
So can I assume life insurance company did hiv test and it was negative ? I