Since the last decade, HIV/AIDS has spread in epidemic proportions in India. At present, this nation bears the world's third largest number of HIV/AIDS-affected individuals. There are a limited health insurance plans that cover HIV or AIDS treatment in India. Unlike other conditions, HIV/AIDS as a pre-existing condition is not covered even after enduring the waiting period. It remains exclusion, now and always.
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With a frequent string of illnesses and infections, living with HIV/AIDS can be quite wearisome. On that, most of the insurers give these people a hard time getting decent health insurance coverage. More often than not, their application for a health insurance cover is turned down.
This health insurance plan has been designed specifically to cover HIV/AIDS patients.
This is a corporate health plan that can be purchased for individuals within the age group of 18 years and 95 years. It can cover the globally mobile professionals and their families while travelling for work overseas and in India. It covers the following expenses in terms of COVID-19 treatment:
This health insurance plan covers HIV/AIDS treatment after a waiting period of 48 months. The plan is available in three variants i.e. Silver, Gold, and Platinum. The sum insured amount ranges from Rs 5 Lakh to Rs 3 Crore. The HIV/AIDS coverage is subjected to policy terms and conditions as mentioned in the policy wordings.
The things are changing for the better. Thanks to the advanced chemotherapy, people with HIV/AIDS can now live long, healthy and happy life. But to be able to continue this chemotherapy, such individuals need financial support from health insurance companies. There's an immense need for affordable health insurance among HIV affected individuals. More Medical insurance companies should come forward to financially aid such individuals. It is expected that IRDA is soon going to intervene and take some steps to make sure HIV affected people are not denied insurance coverage by the insurers.
Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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