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(1) The actual or perceived HIV status of  a person shall not constitute a reason to deny or exclude that person  from 

(a) the benefits of health insurance or terminate a health insurance contract;        

(b) entering into a life insurance contract; or 

(c) the enjoyment of any retirement benefit, social security or other right the person may claim. 

(2) The protection under subsection (1) extends to any person affected by HIV or AIDS.