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.
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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.
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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.