Ohio Insurance Laws and Regulations Practice Exam

What must an insurer obtain prior to conducting an HIV-related test on a proposed insured?

1. A medical history report

2. Written authorization from the proposed insured

3. A verbal consent

4. An agreement from a medical professional

The correct answer is: Written authorization from the proposed insured

An insurer is required to obtain written authorization from the proposed insured before conducting an HIV-related test. This is to ensure that the proposed insured has given their informed consent for the test to be performed, and that they are aware of the purpose and potential implications of the test. A medical history report (option A) is not sufficient as it does not explicitly ask for consent. A verbal consent (option C) may not be recorded or may be misunderstood, leaving room for potential dispute. An agreement from a medical professional (option D) is not required as the proposed insured is the one giving consent, not the medical professional. Written authorization (option B) is the most appropriate and legally necessary method of obtaining consent in this scenario.