Over the last 10 years, India has seen a drastic rise in HIV/AIDS patient numbers. Human Immuno-Deficiency Virus is a deadly virus that crushes your immune system and antibodies. If it's left untreated, HIV converts to the advanced stage–AIDS. Since AIDS weakens the immune system drastically, you get exposed to a host of diseases and disorders and no medicine can completely set you free from the virus. Generally, cancer is seen as a critical illness (despite having medications), but HIV/AIDS is far more crippling as the patient has to live with it for the rest of their lives. Yet health insurance companies have been excluding patients suffering from the Human Immuno-Deficiency Virus. This is because HIV/AIDS is generally considered a pre-existing condition.
However, if HIV patients receive financial support, they can focus on feeling healthy instead of arranging money. Hence, health insurance can be a necessity for people fighting this fatal disease.
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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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.
Limited insurance plans in India offer coverage for AIDS patients.
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.
As of 2020, Eswatini had the highest HIV prevalence.
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
Most HIV health insurance plans are for people who are already infected by the HIV virus.
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.