Health Insurance for HIV & AIDS Patients

No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to Rs. 75,000 | Buy Health Insurance starting @ ₹160 pm Check Plans

Diseases like HIV and AIDS have often been hush-hush in our society. In a scenario where even talking about it is more of a taboo, getting health insurance to cover HIV treatment can be quite overwhelming. Thankfully, there are many health insurance companies that offer coverage for HIV and AIDS patients, the best part being that even patients who are already HIV infected can purchase these plans. The coverage can help the insured get financial aid when she/ he reaches a critical stage. Most plans also assure confidentiality for the insured individual.

Important Update (Dated May 30, 2024) – Good news for Health Insurance policyholders! According to the Master Circular on Health Insurance Business 29052024 rolled out on May 29, 2024 by IRDAI, insurers are to decide on the request for cashless claims within 1 hour of receiving the request. Also, the final claim is to be granted within 3 hours after the policyholder’s discharge from the hospital. Insurers have been directed by IRDAI to establish necessary systems and procedures for this process by July 31, 2024.

The Master Circular on Health Insurance Business 29052024 circular is available here - https://irdai.gov.in/document-detail?documentId=4942918

Why is Health Insurance for HIV/AIDS Patients Necessary?

Health experts have spent years and continue to invest their time and effort in finding the cure for HIV/AIDS. People are hopeful that we will have a workable solution to bring this virus down. As of now, doctors and scientists have only managed to create medicines that help you survive and live longer with the disease. HIV/AIDS patients have to take these expensive treatments for the rest of their lives. Thus, medical coverage for HIV patients becomes essential.

What are the Challenges Faced in Offering Health Insurance for HIV/AIDS Patients?

HIV targets the immune system, making you prone to other diseases and disorders. The job of our immune system is to fight infections, unwanted bacteria, and diseases before they consume our body. However, HIV/AIDS weakens our immune system, meaning it loses the ability to keep health concerns at bay. Even though people can live with this virus, offering financial assistance to HIV/AIDS patients can be risky for insurers. Hence, most insurance companies do not cover HIV patients. However, in 2013, IRDA–a leading insurance administrative body in India–urged health insurance providers to offer support for HIV/AIDS patients. Since then, insurance companies in India have started making provisions for HIV/AIDS patients under their health insurance plans.

READ MORE: Health Insurance Renewal

To Conclude

We all need financial assistance, be it HIV patients or young individuals with strong immunity. Health emergencies can knock on your doors at any given point in life. Instead of letting them bring financial stress along, you can focus on building your immunity while your insurer takes care of the medical bills.

So, how can someone who has HIV/AIDS buy health insurance?

Like every individual, HIV/AIDS patients need to undergo the same process to buy/renew health insurance policies. However, they might have to go through additional tests before issuing a health insurance plan. Moreover, most insurance policies will cover AIDS treatments only after completing the stipulated waiting period.

Is AIDS covered under health insurance policies in India?

Limited insurance plans in India offer coverage for AIDS patients.

What is the difference between AIDS and HIV?

AIDS is a term used to describe a set of life-threatening diseases that can be contracted due to the HIV-affected immune system. While HIV can be transmitted, AIDS isn’t transmissible.

Which country has the largest number of AIDS patients?

As of 2020, Eswatini had the highest HIV prevalence.

Why is health insurance for AIDS patients important?

There are two major reasons why health insurance for AIDS patients is important: HIV treatments and medications are expensive, HIV patients have to take treatments and medications for the rest of their lives

What is the eligibility criteria for HIV health insurance?

Most HIV health insurance plans are for people who are already infected by the HIV virus.

How can health insurance cover for HIV treatment be beneficial?

Health insurance cover for HIV treatment offers financial aid against medical expenses such as the treatment, medicines, emergency ambulance, etc., enabling HIV patients to manage the disease without any financial stress.