Our expert says:
Dear Anon for this
There are many other reasons why a policy will be declined ( high cholesterol, inherited diseases etc) You should ideally have blood tests to exclude STD's and HIV before you have a baby, to prevent your baby being born with diseases or to prevent miscarriages. They will do counselling before and after the test to let you know exactly what you should or should not do if you test positive for anything. Not knowing is not going to change the consequences if you are positive, at least you will then be able to take action to prevent complications! Be Brave and just do it!
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