Health Insurance Coverage for HIV Patients

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.

     Star Health Net Plus Plan

     This health insurance plan has been designed specifically to cover HIV/AIDS patients.

    Premium Details

    Insured Amount

    Premium

    30,000

    Rs. 2,890

    50,000

    Rs. 4,650

    Inclusions:

    • The policy can be issued to people already infected with HIV
    • The cost of pre-medical tests borne is also borne by Star Health Insurance
    • Complete confidentiality of the person covered under the plan
    • Lends financial support at the critical stage (AIDS)
    • No age limit for the applicants
    • The policy has to be proposed by NGOs, governmental agencies and other such bodies
    • The insured must be member/beneficiaries of the proposed

    Exclusions:

    • AIDS confirmation within 90 days of commencement of the policy
    • All pre-existing medical conditions

    Manipal Cigna Global Health Group Plan

    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:

    Inclusions:

    • The policy covers medical expenses incurred towards HIV or Human Immunodeficiency Virus and related illnesses.
    • It also covers Acquired Immune Deficiency Syndrome (AIDS) patients
    • Moreover, the insured can avail coverage for AIDS related complex (ARC) and any mutant derivative or variation along with pre and post diagnosis consultation
    • In addition to this, the policy covers the cost of drugs, dressing, routine medical check-ups, hospital room, and nursing fees if it is opted fro

    Niva Bupa (Formerly known as Max Bupa) Health Premia Individual Health Insurance Plan

    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. 

    Written By: PolicyBazaar - Updated: 12 November 2021
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    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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