Free quotes from top insurers with lowest premiums in
4 simple steps
*Please note that the quotes shown will be from our partners
*savings provided by insurer

Health Insurance Coverage for HIV Patients

Health Insurance for HIV Positive Patients in India

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. Despite such a huge number, it's a pity no insurer in the country (with the possible exception of Star Health) yet has taken any initiative in fighting AIDS. Most of the insurers treat HIV/AIDS as exclusion to the policy. Others deny them the cover altogether. Even those who give coverage, slap them with a high premium. 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.

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 NetPlus

We were not surprised to discover that the one and only best health insurance plan designed specifically for HIV/AIDS patients is offered by Star Health. The name of the plan is NetPlus.

Premium Details

Insured Amount



Rs. 2,890


Rs. 4,650

Key Highlights:

  • It can be issued to people already infected with HIV
  • Cost of pre-medical tests borne by Star Health
  • 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


  • Expenses incurred in treating HIV
  • AIDS confirmation within 90 days of commencement of the policy
  • All pre-existing medical conditions

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.

You May Also Like
  • Best Health Insurance Plans for Cancer Patients

    Cancer Insurance Cancer is a dreadful disease in which the body suffers unregulated cell division and growth. There are over 200 types of cancers. The leading type of cancer among men is lung cancer and among women is b...

    read more
  • Health Insurance for Diabetics

    Diabetes Insurance Plans in India It is an irony that, though India is classified as “the diabetes capital of the world”, only a handful of insurers have come forward to specifically address the insurance needs of d...

    read more
  • Health Insurance for Heart Patients and Cardiac Surgery

    Health insurance has become an important constituent of insurance portfolio of an individual. All health insurance companies offer various types of health insurance plans to cater to every health insurance need of an ind...

    read more
  • Critical Illness Policies Which Cover Dialysis

    Critical Illness Policies cover the policyholder from various contingencies like Cancer, Stroke, paralysis, coronary artery bypass, etc. Kidney failure is also among the illnesses covered under a critical illness policy,...

    read more
  • Critical Illness Insurance - A Quick Guide

    Critical illness insurance is wherein the insured gets a lump sum amount in case he/she gets diagnosed with a critical illness. You heard it correct, right at the moment of diagnosis. The sum assured received by the insu...

    read more


Sign up for newsletter

Sign up our newsletter and get email about health plans.